BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased Tickets XX/XX/XXXX of 2020. Due to COVID-19 the vendor postponed the event. 
In XXXX I received an email from both my emails : XXXX and XXXX. The emails mentioned that the event was canceled therefore, the refund will be expected within 30 days. once XXXX came and i did not see a refund i contacted XXXX, However they said they refunded me on my old debit card and i would need to contact my bank. I mentioned that since XXXX i lost my old debit card which is why i did not see a refund, they still said i need to contact my bank. 

I contacted my bank ( Bank of America ) and the bank said they would open a claim and resolve my claim as unclaimed due to the fact there was no refund in my account. 

I contacted XXXX this week and said i still have received my refund and that they bank resolved my claim as unclaimed which means i never received anything. The customer service was very rude and unhelpful. Customer service kept sending me back and fourth for information between Bank of America and them. They also mentioned that a third party received my refund in New York and i do not live in New York nor did i use my card in New York to purchase these tickets in XX/XX/2020. 

Bank of America directed me to CFPB due to it being past 78 days of the ticket purchase and suggested i would have better assistance to get to the bottom of this matter.

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: 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : {$58000.00}

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NC
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 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received an email from what appeared to be Bank of America to verify information on an online bank account submission. Immediately following this email, I recevied another email that account was opened and activated. I contacted Bank of American on XX/XX/2022 and spoke with a representative to let them know that I did not open an online account. The rep said that they did not have an account in my name. I then sent an email to the fraud department to let them know that I did not authorize the account. On XX/XX/2022, I receivegd a bank statement from Bank of American showing the account and listing the account summary. However, I did not authorize the opening of the account. On XX/XX/2022, I received another letter that because the account information was not verified, the account was closed. I contacted Bank of America on XX/XX/2022 to see what information was used to open the account in my name. After going through 3 representatives and holding for XXXX hours, I was informed that my social security number was used, but when I asked what documentation was provided to verify identity, the rep placed me on hold. I then went to a Bank of America location in XXXX ( XXXX miles from my house ) and spoke with a representative ( XXXX ). He informed me that Bank of America does not require identity verification at the time of opening an online account, but it is required once the account has been established. This practice lends itself to fraud because without initial verification someone can actually set up an account in someone else name using their information. There has recently been a data breach in XXXX with a XXXX provider, and my information was a part of that breach. XXXX informed me that they have had several customers call because they had accounts opened in their names at Bank of America as well. Again, the procedure should be that identity is verified before the account is opened.

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: 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : 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 2021-01-14
Company: U.S. BANCORP
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:
On XX/XX/2020 and XX/XX/2020 there were charges at XXXX XXXX XXXX XXXX AZ for {$310.00} and {$200.00} supposedly purchased with the chip. 

I called the fraud services and immediately received a new card and they began the resolution process. On XX/XX/2020 they charged back these charges to my account stating that there was no fraud. I called customer service and they said that I needed to submit documentation but would not tell me what type of documentation. I then found a receipt that I was at a doctors appointment in XXXX, California where I live the day of one of the charges. I faxed the information to US BANK. I then called to follow up and they said I needed to talk to a fraud specialist and they would call me within 24 hours. I have not heard from them and it has been over a week. They also stated it was not fraud because chip cards can not be duplicated.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX I sent a letter regarding inaccurate and unknown thing on my credit report. To this day over 30 days later I have not received a response yet. i feel like im being taken advantage of and being ignored of my dispute. Section 611 it is pliantly stated that a failure to investigate these items within 30 days gives a so they should be deleted promptly. i demand these accounts be deleted immediate or i will for ligation due to the stress you caused me. 

The credit bureaus also violated 15 USC 1681 sectoin 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigation before the period under section 611 Tracking # XXXX Tracking # XXXX Tracking # 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 2021-03-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Friday XX/XX/21 Chase sent 2 unauthorized wires of {$5500.00} each + {$25.00} fee per transaction XXXX they did reverse the fee ). They confirmed on their recorded lines that this was done in error ; this was a " glitch '' and should be corrected by midnight. They assured us they would contact their wiring department to return funds in case they didn't reappear in our account the next morning, Monday, XX/XX/21 I went into our local branch ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and spoke to XXXX XXXX who assured me it would be handled. After several conversations this was escalated to his Branch Manager, XXXX XXXX who has adopted the party line " we are researching ''. They will not provide a decision maker contact nor have we been advised if & when these funds will be returned. Your attention to this matter would bet greatly appreciated. Please note : this is not the first time Chase had wired funds without authorization ; this has occurred in a single transaction on several past occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: U.S. BANCORP
State: PA
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:
US Bank was the lienholder for our new XXXX. We traded the truck for an SUV. After the payoff was made to XXXX, they sent us a loan statement that our account was closed ; however, there was accrued interest which was not refunded.

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 2021-01-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX : Experian To Whom It May Concern, I sent a letter to Experian dated XX/XX/XXXX disputing unauthorized inquiries as erroneous, and I have not received a response from them. They have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate these disputes. If they could not verify the information within 30 days, they should have deleted the disputed unauthorized inquiries from my report. 

I have frozen and suppressed All XXXX party information vendors since Summer XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX  XXXX. EXPERIAN MUST VERIFY THESE UNAUTHORIZED INQUIRIES DIRECTLY WITH THE COMPANIES LISTED BELOW, NOT WITH 3RD PARTY DATA MINORS. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. The following inquiries are unauthorized : FACTUAL XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX-XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  CARD Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX Attached you will find copies of my 3rd party vendor proof of suppression and the demand to comply package sent to Experian. 

Sincerely,

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 2021-09-11
Company: EQUIFAX, 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:
They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to transferred {$100000.00} from my Citibank online account linked to my checking account to another Citibank online account linked to my saving account using the Citibank XXXX XXXX on XX/XX/XXXX. My transfer didnt go through ( I press the transfer button and then it went to the home pages or something, i thought it was some bugs so I repeated the transfer process again and try to transfer another {$100000.00} or {$90000.00} and still didnt work ) and I didnt receive any messages from my phone neither from the email. Then after a few days on XX/XX/XXXX, XXXX cant log in my online account linked to the checking account, and it shows a red box of text telling me Hmmlooks like were having some technical issues right now. Please try again later. And I tried later another box showed Our system is experiencing temporary delays. Please try again later. I called the phone number of Citibank online banking support and they told me that my account was lock due to fraud protection or something and their specialist is reviewing the account please wait 24hrs to 48hrs and they will call back. I did wait for over 48hrs and received no phone calls or messages. And then I called them many times for XXXX weeks that their tech department and fraud prevention department couldn't fix the problem, and each time they either said someone was reviewing the case and I had to wait 24 to 48 hours to fix the problem, or they transferred the line and another representative given me another number to call which at the end transfer me to their technical department or fraud prevention department again ( and repeated the same process. ) and waited for over 48 hours didnt fixed the problem and no response given back. Last week, I went to one of the Citibank branch to ask the bank staff and they could not do anything about it but ask me to call the phone number again. And today I was told by the Citibank staff that my checking account is being closed and they will send a check to my address. I will need to wait 30-60 days to receive the check. This is ridiculous that they just closed my account without telling me anything about it neither why it got closed nor informed me about the closed of the account through messages or email.

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 2021-06-14
Company: SLM CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This company keeps sending me monthly emails Pre approvals to apply for their credit card Ive applied and they still havent got back to me this is ridiculous when they shouldve approved me by now my credit is in good shape for this to be happening to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: SC
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:
This is my 13th XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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:
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.

has violated my rights. Or list of inquiries 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 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Allegedly on XX/XX/XXXX  this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/XXXX  Experian & XXXX states this account was opened. Experian has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.

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 2023-11-08
Company: FC HoldCo LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/XXXX I asked Flagship to remove the credit account from the my report after a long 2 months battle with Flagship, in one or more of Flagship writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with Flagship also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask Flagship to remove this many times but still this is showing on my 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 explanation
Consumer complaint received 2021-02-16
Company: U.S. BANCORP
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a mortgage with PMI. We were paying on principle to build credit and get rid of the PMI. It was supposed to come off fall of 'XXXX  and it did not. We kept paying for it another approx. 17 months even though we didn't need to before they removed it.

I tried to call the bank multiple times and would be connected to various extension before eventually being hung up on. I recently explained this to a mortgage officer are we are in the process of refinancing our home and he directed me to your www site. 

Thanks you for listening!

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