BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
About a year ago, I suffered a financial scam in purchasing a RV. I currently owe {$35000.00} to fifth third bank for a RV that is only worth {$15000.00}! I am completely upside down. 

The RV dealer completely lied to me saying this RVs MSRP was {$32000.00} but after the fact I found out it was only worth $ XXXX! 

I talked to the RV dealer, XXXX XXXX XXXX, XXXX, TX, about canceling the whole deal before I ever picked up the RV they said they couldnt cancel it I all ready signed the paperwork. 

I talked to Fifth Third bank a week after this deal they told me same thing- nothing they could do I signed the paperwork! 

If the RV dealer would have been honest with me about the value of this RV-I would have never ever agreed to it. And I wouldnt be in the situation I am now. 

How can a bank knowingly give me a loan for {$36000.00} on a RV that is only worth $ XXXX??? 

Fifth Third bank and XXXX XXXX scammed me. I am completely sick over this whole ordeal. I am stuck with this RV worth {$15000.00} and I owe {$35000.00}!!! 

It should be illegal for companys and banks to deceive consumers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-10-10
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING LLC. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 charges for items not purchased as a result of charges put on my account without purchase validity.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: AZ
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
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 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 2022-11-06
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS US NOT A DUPLICATE COMPLAINT!

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the 3 items I specifically requested in accordance with the FDCPA.

My complaint specifically addressed the issue of HIPAA compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

Therefore my request is twofoldvalidation of debt and HIPAA authorization. 1 ) Please provide breakdown of fees including any collection costs and medical charges. 2 ) Provide a copy of my signature with the provider of service to release my medical information to you. 3 ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2023-01-26
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ive applied for credit cards on credit karma because of misleading information telling me I was pre approved for certain credit cards that I wasnt and now I have hard inquiries on my credit report XXXX cant get off!!! Let alone I didnt get the credit card! I have a credit repair agency looking into it for me now, and of course I had to pay the XXXX to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Foris DAX, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a text from someone with a Crypto currency opportunity. It started with XXXX, we kept making money where the balance go up to XXXX. When i tried to withdraw, i was told I had pay a fee to make sure that this was not money laundering. we did. Then, i was told that i needed to pay XXXX in tax before I could withdrawal which i know that is incorrect. Tax is taken out of the proceeds. Once i disputed that, they froze my account and said that they would fine 5 % a day until the tax issue was resolved. Then, proceeded to tell me that if i didnt pay, i would forfeit all my money and it would be donated to the XXXX XXXX XXXX to be used for medical and vaccine reseach... .. which they also can not do. 

I have filed with the FTC report number XXXX and with the Federal Bureau of Investigation 's My total investment is approximately, XXXX. Right now, i would settle to just get that back and they can keep the profit... if offered that and was told no. 

Can you please help me? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Various dates and amounts around and after 2018 where mortgage escrow shortages were claimed repeatedly. I did not ask for forbearance but it negatively affected my credit. 
I inquired about and unable to get lower interest mortgage rate.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit 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:
In the Chase app the bank promised me a {$200.00} XXXX gift card. But I never received the gift card. Chase tells me to contact XXXX and XXXX refers me back to Chase. It's back and forth and no one wants to own it. This is Chase responsibility because they communicated to me in their app informing me they were giving me a {$200.00} XXXX gift card. 

I am uploading a screenshot of the communication I have with Chase promising me the {$200.00} XXXX gift card. Also a screenshot of my XXXX gift card transaction history to prove I never received the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America ( BOA ) recently rolled out an update in their online bill pay server. This update removed the option to pay a set monthly amount to BOA XXXX XXXX using the bill pay service. Now, only available options are to pay the minimum amount or pay the whole balance at once. I was not able to get help from customer service. I was told that the change was intentional. I believe, it is illegal to force customers to pay the minimum monthly payment instead of any amount over the minimum set by customer. I think this issue needs to be investigated and resolved. Thanks.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXX Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX TransunionXXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-10-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit 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:
In XXXX of 2023, I was approved for a Choice Privileges credit card with Wells Fargo. If I spent {$3000.00} or more within 3 months I would get XXXX bonus Choice Privileges points on top of the Choice Privileges base points I would earn. I made the required purchases by early XXXX, less than 3 months. After 5 months, I had not received the bonus XXXX points and inquired with Wells Fargo. They did an " investigation '' and on XX/XX/XXXX, called me and said I did not earn the XXXX bonus points because all of my purchases were pre paid gift cards which are excluded from earning base and bonus Choice Privileges points. I disputed this finding with the investigator, XXXX, pointing out I did not buy any pre paid gift cards. XXXX said ALL of my purchases were pre paid gift cards. I asked her if she knew what a pre paid gift card was and she refused to answer it. I told her it was a reloadable visa or master card debit card. I bought none of those. Of the over {$3000.00} in purchases, many of my purchases were merchant gift cards, like XXXX and XXXX XXXX, which are NOT pre paid gift cards. They were gift cards only spent at those merchants. Further I pointed out that all of those purchases earned Choice Privileges base points on this credit card and that showed the purchases were coded correctly. Further, not all of my purchases were merchant gift cards, as can be evidenced by my credit card statements. I asked XXXX, the Wells Fargo investigator, if I could speak with a supervisor or manager. She emphatically told me they would say the same thing. However, when she transferred me to a supervisor, this person reviewed my account and apologized to me and said I was correct and the investigator was wrong and none of my purchases were pre paid gift cards and I should have earned the XXXX bonus points. The supervisor commenced a second investigation and said it would take 10 to 12 business days or possibly longer before I would hear from them. To date it's been 8 or 9 business days and I have not heard from them yet.

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 2023-09-21
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/ I was persuaded into sending a person on social media with a high following a total of {$2700.00} by XXXX  and zelle. {$2000.00} zelle and {$730.00} XXXX I found this person from a girl I follow on XXXX and XXXX with a very high following. I made a mistake into trusting this person, basically I was going to make an investment through cashapp and receive a higher amount of money, a money flip. Everything seemed legit, he sent me screenshots of the process, screenshots of other receiving their pay. After money was sent I was blocked and felt absolutely horrible, I was emotionally damaged as I worked hard for my money. I reported it to my bank as fraud because that is what it felt like. I felt bad and honestly stupid for trusting someone with such high amount of money. This person blocked me but I have his XXXX and XXXX XXXX I have the claims I submitted to my bank and the letters the bank sent me. I have his screenshots of the work that he does. I also have a police report I made on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CBC Companies, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to Innovis, XXXX, XXXX and XXXX. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged an overdraft fee yesterday in the amount of {$36.00} but there was money in my account. I received a refund that was available on my account when they claim the transactions took place, but Regions Bank seemingly rearranged the transactions to where my account would overdraft. I am also not enrolled in standard overdraft coverage so i dont understand why I was charged a fee.

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