BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My bank of America XXXX  prepaid card was somehow hacked and XXXX was Stolen from my account.After disputing with bank of America, they denied and closed my claim. I called back in XX/XX/2022 and finally got a reconsideration to have my claim reinvestigated. It is now XX/XX/XXXX which is over the 45 days they said they will either refund my Stolen money or give me an update. I can't get the bank to give me any updates. My landlord has filed an eviction to pay or quit so I'm about to become XXXX  and it's not just me it's also my XXXX XXXX XXXX XXXX  I really need help .please help me get my money that was stolen.thank you

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 2022-03-24
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: Account information incorrect

Complaint:
Include dates, amounts, and actions that were taken by you or the company I have called XXXX and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries XXXX refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$8.00} ; XXXX XXXX Balance Owed : {$160.00}

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 non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: GA
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 present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX credit Bureaus was XXXX XXXX, 2022, 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 accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$160.00}

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 2022-03-24
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive had Navy Federal for a few weeks now. Today XX/XX/2022 randomly during the day my card declined as I was buying lunch, before that my boyfriend sent me some money through Navy Federal and his account was PERMANENTLY RESTRICTED and the lady tried to argue him down the funds were fraud. I found out my card was blocked tried to log in to online banking but it gave me an error and told me to call XXXX ( XXXX ) XXXX I called and the hold times were HORRIBLE! I spoke with one department to be transferred to another just to wait over an hr and the rep XXXX XXXX told me It looks like another XXXX was logged into your account instead of maybe having me reset my username and password if that was the case she gives me this LONG drawn out speech on what I would need to do. Close the account, open a new account, and transfer the money to a new account. This is by far the WORSE experience ever and Im so glad I have back up accounts because I will be withdrawing my funds and going to another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I submitted a few disputes to Transunion to update my personal information on my credit report. I was contacted to mail in proof, I did. The personal information was updated and I was mailed an update report. To date, the Disputes with Mailed Results is still outstanding on my account, preventing me from pulling a current credit report from Transunion or from Annual Report, submitting a dispute, or even purchasing my credit score with Transunion themselves, and my personal credit monitoring is not working either. Ive called more than 20 times, Ive spoken to more than 40 reps and supervisors from Online Services and Consumer Services with Transunion and no one seems to know how to fix. On XX/XX/XXXX, the supervisor told me a remark was outstanding on my account and that it was removed just now and to try back in XXXX hours. Nothing was fixed. On XX/XX/XXXX, a rep XXXX told me he opened XXXX XXXX with the XXXX XXXX team and they would call me in up to XXXX days, that was XXXX days ago. No one is taking this seriously there. Each day the Disputes With Mailed Results estimated date of completion goes forward a day, at midnight, right now it says XX/XX/XXXX, at midnight it will update to XX/XX/XXXX and on it goes. I have not been able to access my credit report through my account with Transunion since XX/XX/XXXX and I dont know how else to get this resolved.

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 2022-03-24
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I filed against this company a couple weeks ago and everything was resolved. They still contact me late hours and they are still sending me mail asking for payments regarding an account that was paid off. This company was also supposed to send me a refund check and they never have. Please have this company fix there mistakes and have them stop contacting me I am not a card holder of theres anymore.

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 2022-07-20
Company: Creekside Finance, 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: Reporting company used your report improperly

Complaint:
I got a auto loan from Creekside Finance in XXXX NC in XX/XX/2021. The car had problems since day 2. To get the car fixed I had to redo my auto loan in They broke down in XXXX and I told them the location of the car because they werent interested in helping me get it fixed. In XXXX they ran my credit twice without my permission then asks me if I got another car. I did not give permission to run my credit I involuntary gave my car up and still running hard inquires. That is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I co-signed for a loan for my son... Im about to declare bankruptcy or loose my home.. the apr and fees are outrageous.. Im trying to get the payoff lowered so I can pay them off so I dont loose everything... my son lost his job then Covid happened ... this has been an upside down loan since the beginning upon reading this company specializes in this ... they have been paid double already then the car was originally worth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Already done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from 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 non-monetary relief
Consumer complaint received 2017-02-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been dealing with Wells Fargo / American Servicing Company including the investor XXXX XXXX XXXX XXXX they refused to give me a modification stating that they only allow XXXX modification per the life of the loan, XXXX XXXX XXXX XXXX XXXX bought this loan on XX/XX/XXXX and did not own the loan when I modified in XX/XX/XXXX. I was then forced into Bankruptcy which Wells Fargo somehow got thrown out of court stating that I missed a payment, which is not true. They accepted 1 payment, but would not accept another payment from me, then proceeded to send back the first payment I made with a check, but they did accept the payments I made through the bankruptcy trustee office. Then I found out through law offices soliciting for business that I had a XX/XX/XXXX Auction date, I was not notified by Wells Fargo 's lawyers about this sale date, they did not mail anything to my home letting me know of this sale date. My lawyer sent a valid purchase contract for my property on the date of XX/XX/XXXX directly to Wells Fargo 's law firm that represents them, XXXX, XXXX, and my lawyer, XXXX XXXX, spoke with them to stop the Foreclosure date with this upcoming sale of my home, which they said they would, but did not. The Auction did go through on XX/XX/XXXX, with them selling the house for the amount of {$190000.00}. My home is worth at least {$350000.00}, with the loan amount approximately {$180000.00} meaning that my equity would be approximately {$160000.00}. They purposely sold this home way under market value and are trying to rip me off on the equity on this home. I received a letter stating that I would only receive a little over {$9000.00} for my home! I filed a lien against my home for the equity on XXXX to protect myself against exactly what they are trying to do. How could they sell this house at Auction when they had a viable contract for the sale? How come my lien on my house is not showing on the title of the house, this was done at the Recorder of Deeds office at the XXXX XXXX XXXX House in XXXX, IL. I do have my lawyer fighting this auction sale in XXXX County Court in Illinois. I need your help to be able to sell my home and receive my equity that is due to me. I am also concerned about the fact that the Modification that I did get in XX/XX/XXXX shows a XXXX Loan Number : XXXX that is not viable with XXXX. I signed this modification thinking I was protected by XXXX and this is not true, it is not a XXXX loan and was presented as this. This is a falsified document with my loan modification.

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 2016-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have a credit card with Wells Fargo that I never recalled opening it, and I have had it for 3 years. It is a college student credit card account with several hundreds credit line. I thought it was a mistake unintentionally made by myself or the bank, but after I found about Wells Fargo disgusting sales tactic/unauthorized credit card issuance on the news, everything starts to connect in my head. This is a scam in the name of a big bank, and this scam affects millions of banking customers without knowing they are a victim of a top-down system. I want to get this account closed and all the fee/interest/charges and what not under this credit card account waived and/or refunded as soon as possible. This is to bring back the justice to the poor customers who fell victim to a sickening Wells Fargo banking system.

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 2016-11-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I contact my mortgage company Wells Fargo regarding the status of loan. My monthly payment went from ( {$2000.00} to {$2500.00} ) and I contact Wells Fargo seeking some assistance to reduce the monthly payment. The increase was due to an increase of my property taxes. At the time Wells Fargo said I would not qualify for a refinance but I could get a a loan modification. During XXXX through XXXX of XXXX I continued to make all my payments to Wells Fargo. Wells Fargo recommended a loan modification to me as plan to help me, but this plan has really just caused me nothing but trouble now that I look back. My credit score has be dramatically impacted. I 'm just confused and frustrated how Wells Fargo collected {$9900.00} from me but reported me late on my credit report. While working with Wells Fargo every payment was made directly to this Loan Modification unit on time. I just do understand why Wells Fargo could assistance their customer by telling them to destroy your credit but continue to pay us.

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 2022-03-25
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I sent money to a person in XXXX through a money transfer app. I worked with this company before and never had a problem with them when I used my regular bank card. This time I decided to use my cash card that cashapp advised me to open. It's basically a card that you can keep money on in cashapp and you don't need to transfer the money to your bank card for a fee. You just use this card as a debit card. So this payment didn't go through due to some incorrect info of the receiver. The pay transfer money informed me and sent me a reply saying that they did not charge the money, they just reversed them back to my account. To my cash card in cashapp basically. I've reached to cashapp multiple times asking where this money is and to send me an ARN code showing that the money went out of the account which they're saying they did go out but the money transfer app saying they never took that money. I've filed at least XXXX disputes on cashapp, reached to them through their app support. They are not doing anything to help. All they keep saying is they don't have any info at this time. The amount is not small and I wouldn't go to all of this hassle for {$5.00} but it is {$180.00} and this is not small money for XXXX where i was trying to send it to. Now I can't even resend it because cashapp just decided to keep that money and not return it to my card. This is very disappointing because they don't even try to help. At all. I'm very disappointed with this Cashapp app as I've been a Cashapp user for awhile and they are good while you don't have any problems but when you do have an issue with them theh don't care about their customer. As soon as I resolve this issue I will be deleting my account with this app.

Company response to consumer: Closed with explanation