BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
So i checked my online credit card account from bank of America around XX/XX/XXXX and realized there was a charge for XXXX from XXXXXXXX XXXX XXXX which the transaction date was XX/XX/2021. So i called BofA to report this fraudulent transaction. They denied my claim 2 weeks later saying " it was a contactless transaction, therefore your card was in your pocession ''. Obviously it was in my procession but I DID NOT MAKE THIS TRANSACTION. They are not helpful at all. And I never do contactless transactions ever. They even looked at my history last time I did contactless was in XXXX which shows that I rarely use contactless method. They even canceled my old card and sent me a new card but still denied my claim. This is ridiculous. I always pay my bills on time and never am late on payments. I want my money back and I've read a lot about BofA doing this to a lot of their customers.

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 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by Transunion. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Transunion has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Transunion admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing to express my ongoing frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct late open accounts and remove late closed accounts from my credit report. Despite multiple disputes, these inaccuracies persist and continue to have a detrimental impact on my creditworthiness. I request your immediate attention to resolve these issues effectively. 

I have previously submitted documentation and information to support my claims during each dispute, yet these inaccuracies remain unresolved. I kindly request that you conduct an immediate and thorough investigation to rectify these issues, ensuring that my credit report accurately reflects my financial history. 

I expect that you will complete this process within the legally mandated timeframe and promptly inform me of the resolution. 

In compliance with the Fair Credit Reporting Act, I also request a written explanation of the steps taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and continues to affect my creditworthiness and financial stability. I implore you to address these issues urgently and effectively. I am asking for your immediate assistance to correct or remove the accounts : XXXX XXXX XXXX  XXXX Balance Owed : {$160.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.

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 2023-12-07
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Following a fraud situation where I was threatened by a criminal online to deposit money into my credit card account, my bank decided to close my account. I then asked if my IRA and checking account was going to be returned to me, upon his response was, I dont see why not. I was told to call back in two weeks and I could rollover my IRA and transfer my checking to another institution. 
I called back on the XXXX of XXXX to be given a list by the fraud team that I had to complete to get my money back. The list was comprehensive including proof off outside account legitimacy. However, one of the stipulations was to prove the legitimacy of two checks my father wrote to me from his XXXX XXXXXXXX XXXX. The proof of check and proof of bank bia signature and check guarantee didnt satisfy their list. They also want a medallion signature stamp and ( loi ) or letter of intent. My dad asked his bank about this medallion stamp and he has it on a recorded line that the teller had never heard of that stamp being used in this scenario and thats a service they provide. He then asked the teller to please ask the district manager if he knows of this practice and he responded by saying that sometimes in the case of IRAs or bigger money amounts its used, but not to simply prove the legitimacy of a check. 
So, XXXX has stated that the signature guarantee and check guarantee are not enough to release the funds. I am going crazy be I worked so hard to build this nest egg and I feel that its my right to have my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had just cancelled my Experian Identity Theft protection plan last week. It was a paid for premium account. I cancelled my account due to the Identity theft representative not responding back to me after several complaints, and notifications not being acknowledged by that representative. The cancellation was successful, but I was just recently retaliated by Experian with the following. I just received an email today stating that my credit file was unlocked due to my premium services being cancelled. BUT it was placed on lock prior to the cancellation due to me becoming a victim of identity theft. I did NOT authorize Experian to unlock my credit file because my identity has been stolen, and the police are currently working on my case. I feel so helpless, I have reached out to Experian but I remain vulnerable again due to there lack of professionalism. I also was a victim of Identity theft from the XXXX data breech a few years ago, and I currently am supposed to have a free premium Experian account as part of the settlement agreement, and Experian once again has failed to not provide this service as my favored settlement. But because I value my credit portfolio I ended up paying for their services for over a year now, and I still was victimized again. Not sure how you are going to assist me, but I'm having a horrible year so far due to this nonsense.

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 2021-01-12
Company: Granite Edvance Corporation
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After working in a qualifying school for 5 years, I applied for student loan forgiveness last XXXX. Granite State Management and Resources is denying full loan forgiveness of {$17000.00} stating that I XXXX  in " an XXXX XXXX '' and will only approve {$5000.00} of loan forgiveness. Two of my coworkers received the full loan forgiveness amount. We XXXX  in the same subject in the same XXXX XXXX building, they simply had different lenders. GSM & R should not be able to interpret the loan forgiveness program differently and deny me while others in the same situation are being given full forgiveness. 

Following the denial I contacted the ombudsman group, XXXX, NH DOE and the Banking Division of NH with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CT
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 have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 



XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's been over 30 days, and the creditor has not updated the information nor provided proof or documentation in regards to the late payment. They have not supplied this information and they must the late payments reflecting on my credit report. Under federal olaw they had 30 days to complete this investigation. They must remove these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, I received the following correspondence from Citi Bank by email : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX XXXX  account, we found that you have violated the terms of your account per the client manual. 
As a result, your XXXX XXXX  account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 

After receiving this and not being allowed access to my credit or checking accounts online and all my cards were restricted. I contacted Citibank on XX/XX/XXXX, and XX/XX/2021 and XX/XX/2021 regarding my funds in my checking account and I was told I would receive my funds in the mail within 30 days ; however, it has been more than 30 days as of XX/XX/2021 and I still do not have my funds. These funds including money from my employer as well as other funds I personally deposited via my other bank account. I am unaware as to why my account was flagged for closure. This is a travesty and has caused me to become behind in my monthly bills. Please help me get my paycheck and funds back from Citi Bank. If I owe them I will include them in my current consolations with XXXXXXXX XXXX. 

On XX/XX/2021 two payroll deposits were deposited into the checking account ending XXXX {$1000.00} was deposited and that same day {$1500.00} was deposited into that same account. I have included a copy of both paychecks and my original direct deposit form showing this... 

Prior to that on XX/XX/2021 I deposit {$500.00} from my business XXXX ( XXXX XXXX Listening account number XXXX account deposited those funds into my Citibank as well. I have included a copy of my XXXX XXXX business account bank statement. These are my last deposits before and after I was told my accounts were closed and would receive my funds within 30 days. The representative I have been speaking with at Citi Bank is XXXX in their call center. She refused to give me a supervisor and/or a address, telephone number or anything to file complaints or inquiry about getting my funds back sooner. 

I made several transactions with my Citibank account including paying bills and transferring money to my business account. I have been denied access to all my Citi Bank financial statement information including my bank statements of which I need to use for income tax and other related business transactions.

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 2023-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX  related forbearance was initiate in 2021. The forbearance ended in 2021 and the loan holder/lender, Bank of America , sent a new agreement to shift the forbearance amount and forbearance payments to the end of the loan period by extending the term of the loan. The signed agreement was sent to the loan holder and confirmation of receipt by the loan holder was confirmed with XXXX postal service. The loan holder lost the agreement signature page. The lender then sent a new agreement with Fannie Mae. Another signed agreement was sent to the lender, The agreement was lost by the lender again. 

Monthly payment were made on the loan fully covering mortgage payments during the period following the forbearance, to date. No payments were missed. The lender has closed the account for payment and has not issued another loan agreement to incorporate the XXXX forbearance amount. The lender appears to be initiating foreclosure. Again, no mortgage payments were missed outside of the forbearance period.

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 2023-07-11
Company: EQUIFAX, INC.
State: NY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020 I received a notice from Social Security advising that my request for new user name on my account. I did not make that request. I notified them by phone that this was not done by me. I then got a call from Capital One about a credit card application. I did not make an application with them. I called them and they marked the account as fraud and advised me to notify XXXX, which I did. They noted the fraud attempts on my account and provided me with a credit report. The credit report looks correct. Today XXXX card called me about another application for credit, but they saw the fraud notice on XXXX and denied the card. They advised me to notify FTC as to this fraudulent activity in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Ive met this person on XXXX, his name was XXXX XXXX, a false name I guess, divorced, XXXX years old and had a boy called XXXX. He told me he worked as a doctor for the XXXX XXXX in XXXX. After gaining confidence, we started to chat via XXXX. hIis telephone number is XXXX XXXX XXXX as seen in XXXX. 
He explained that his vacation was comming up and that he needed money to finance his flight ticket to get home, money that he would hand to the XXXX flight Agent to arrange his flight. He mention this because of him being at a war zone his bank account was blocked. He was very charming, telling me how beautiful I was, lovely, caring... and as we carried on chatting I eventually fell for the scam as a fool. On the XXXX of XX/XX/2021 I sent a transfer from my account in XXXX from XXXX XXXX XXXX to an account at Wells Fargo National Asociation on XXXX XXXX, XXXX XXXX, CA XXXX. The details are as follows : Amount : XXXX USD I have taken action on the XXXX XXXX ; I have gone to my Spanish Bank and forwarded the material I gathered so that they could pass the information to their International Department.I have also visit the website of Wells Fargo Bank and reported the scam online with the details of the transactiion : account number, enrouting number, name and address of beneficiary. Next, I visited the website of the ReportFraud.ftc. gov ( Federal Trade Commission ) and wrote my report to the FTC. Now, Im placing a complaint at the ConsumerFinance.Gov in the hope to recovering my money. 

After the transfer wire he informed me that the XXXX XXXX had to return his vacation funds so that i had to get involved as a beneficiary in order to use my XXXX bank account to receive his funds there because of him being at a war zone and having his account blocked. He decided that I should contact his barrister to lead me troughout the process. I actually havent done that because I think he wants to steal every singel penny left in my bank account.

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