BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX of 2020 I applied for Unemployment but never received my debit card. I kept calling everyday but was not getting through to resolve this problem. I finally get through to them only to fin out that my debit card was activated and used for multiple transactions cleaning out my account. After XXXX unsuccessful tries of getting my debit card sent to my address I changed my address to my grandmothers address and finally got my card. My fraud claim was denied for some odd reason even though this is the first card I've ever received. My wallet was stolen out of my vehicle and that's how I believe my personal info was compromised to even activate the card card. I feel this should be investigated further and funds be reimbursed due to this was not me who activated and use the debit card. Ive reconsidered my fraud claim and also filed police report and now filing with you guys for further help.

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 2023-03-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from NATIONAL CREDIT ADJUSTERS for {$430.00}. It claims the account was opened in XXXX of XXXX however through XXXX XXXX. I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX  who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to national credit adjusters today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Violation of My fair credit reporting act rights

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-19
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ( PROCOLLECT ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON XXXX I NEED THIS REPORTED ACCURATELY IMMEDIATELY.

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 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I have the American Espress credit card, on XX/XX/XXXX - 2021 I called Amex customer service to provide me with a payment method other than my debit card App, then the young man provided me with this account number route XXXX account XXXX XXXX XXXX belonging to Amex, I deposited XXXX dollars cash in one in said account and since then that deposit has not been deducted from my debt. 
I need my money.. 
I have the receipt of the deposit that I made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and they said they would handle. I don't remember the date.

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 2023-03-01
Company: Sensible Auto Lending, LLC
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was hacked and closed due to a fraudulent check, but the money that was left in the account was never sent to me at all.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the XXXX XXXX XXXX XXXX8 I had a problem paying for a mortgage. I did a loan modification. It took Wells Fargo XXXX years to modify my loan. Wells Fargo accumulated additionally {$300000.00} in fees and added to my mortgage as a second mortgage. I asked Wells Fargo many times to give me a break down of all the accumulated charges, and Wells Fargo declined.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Wrong information on my 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had many of my checks over the last several years that have been frozen and not made available for periods of up to 6 days the only reason I believe it was not longer is because of my persistent calls and complaints to their customer service representatives and asking to have my complaints escalated to a higher authority in their system. I have had at least 15 times that my money was not made available to me or would they allow me to cash the check when it is a Wells Fargo check. I have incurred many losses as a result of this issue.

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 2023-03-01
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/ : I paid off my vehicle loan on the VW credit website. 
XXXX : I called VW credit for a status update. They sent me a letter and email showing that my vehicle was paid off. They said it would be a few more days until lien was released. 
XX/XX/ : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I called VW credit for update. I was told that they had just switched vendors who take care of lien releases and that there was a small delay. 
XX/XX/2023 : I call VW credit for update. They said they sent lien release to DMV on XX/XX/2023. 
XX/XX/2023 : I called DMV to check status of title. DMV states that lien has not been released by VW credit. 
XX/XX/2023 : I called VW credit and asked to speak with supervisor. He told me that theyre having delays with their new vendor. He confirmed that while we were on the phone, he pressed the request button to release the lien and that it will take yet another 10-15 business days for lien release . I requested information on the vendor they use for lien releases so that I could speak with the vendors customer service, but the supervisor would not give me that information. 
I feel taken advantage of by VW credit. They are holding my car lien hostage at this point while I have never missed a payment and have paid of the car in full seven weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: AMERICAN PACIFIC MORTGAGE
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
SEE ATTACHED - I WANT TO ADD THAT WHEN THE LAST OF THE DOCUMENTS(Tax Returns, see attached) REQUESTED BY THE LENDER/ SERVICER WAS RECEIVED ON 1/19/22, THEY HAD NEVER SENT ME AN UPDATED LIST ON DOCUMENTS THAT WE "RECENTLY" NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I need a corrected 1099-INT form for XXXX from Citibank. The following is what happened ; On XX/XX/XXXX I went into my local Citibank branch ( XXXX ) and I cashed an XXXX {$5000.00} Savings bond # XXXX that was issued XX/XX/XXXX. That Bond should have paid {$9800.00} with {$4800.00} in interest. The teller credited my account {$18000.00} with {$13000.00} in interest. I told the teller " that's a mistake '' but she told that's what the system says it's worth. A week later I got a call from Citibank saying a mistake was made and that they overpaid me {$8800.00} in interest and they would be withdrawing that amount from my account which they did on XX/XX/XXXX " but not to worry they would be sending me a correct 1099-INT for XXXX ''. Citibank did not send me the correct 1099-INT they sent me a form showing that I was paid the extra {$8800.00} which they deducted and I would have to report as income on my taxes. I immediately called the Citibank number on the 1099 Form XXXX and after explaining the situation to multiple representatives I was told by a supervisor that it was Treasury Direct 's mistake and I need to call them to correct it. I said that doesn't seem right but I called Treasury Direct and was told by a TD Supervisor it's Citibank 's responsability to send me a corrected 1099-INT. I called Citibank back and got the same line that it's Treasury Direct 's responsibility. I then went into my local branch on XX/XX/XXXX and spoke to the manager XXXX XXXX with all my paperwork which she copied and opened a Citbank investigation numbered XXXX and told me to wait 5-10 days. I called her after 10 days and was told they hadn't looked at my case yet. I told her I was having my taxes done XX/XX/XXXX before I leave the country and she said she would request they expedite it. I called back after another 5 days and they still hadn't looked at it so XXXX suggested I file an internal Citibank complaint which I did. 5 days later, no one will look at my case. I uploaded my incorrect 1099-INT to my accountant with an explanation yesterday and I called Citibank again XXXX They told me to once again to call Treasury Direct who told me Citibank is WRONG and to file a complaint with the CFPB. I've attached my documentation and I'm so thankful to have your agency to reach out to. Sincerely, 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 2023-03-06
Company: JPMORGAN CHASE & CO.
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 this creditor has violated my rights under 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card or loan an open-end consumer credit plan as late for any purpose. 15 USC 1681a ( 2ai ) states under exclusions, the report contains information solely as to transactions or experiences between the consumer and the person reporting. 

I have reached out to both companies in hopes of resolving the matter with no success. All accounts are paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo breach of contract! Been a customer of WellsFargo since 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 2023-03-08
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receive debt collection letters stating they are collection XXXX XXXX XXXX XXXX XXXX XXXX violations, when I log into my XXXX account it shows I have NO toll violations on record and did not have any in the past. ( clean account ) So there are official letters from " state road and toll '' I have tossed out in the past knowing they were scams and then now they are eleveting it to more official debt collection companies that claimed I didn't pay. I have written to the company and mailed back their paper bill and said I know it is a scam and that I do not owe any tolls, but the letters come from various companies. ( sold the debt to collectors ). I will scan and attach the latest one. I often wonder how many people think their teen drivers or spouse violated the toll violations and paid these people without thinking! I have decided to report this so others will stop and think and not fall for this. Numerous complaints online. People are being frauded thinking they have a debt owed which is false. See 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 2023-03-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On Tuesday XX/XX/XXXX I contacted XXXX, Experian and XXXX to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Credit cards have been paid, but my score and payment is still not showing

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 2023-02-03
Company: EQUIFAX, INC.
State: GA
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. 

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 XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: AES/PHEAA
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My fed loans account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX, NC Phone number XXXX. Social XXXX There has been two or three transactions for Im not sure the amount it was deposits me into my account that I have no idea how that even occurred. I spoke with someone yet I have not gotten an answer and my account got closed. I would like to retrieve my account that I had just make sure that I am able to be a customer at Wells Fargo. All of this information is located in my email address I should be able to find it when you get back in contact with me. I would love if someone could help me thank you so much.

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 2023-02-20
Company: EQUIFAX, 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:
A company called XXXX and XXXX is reporting false information to my credit. I have no clue who this company is. I have no contract with this company. Ive never had an account with this company and I do not owe money to anybody. The information they were reporting simply isnt mine, and they were reporting it to the wrong person.

Company response to consumer: Closed with explanation