BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX i filed a dispute for funds being taken out of my account in the amount of {$2200.00} in XX/XX/2021 for XXXX XXXX XXXX which i did not authorize, the bank came back with a decision that this charge was authorized due to i had a XXXX  payment sent to me for money owed to me and concluded, and assumed otherwise ( very unprofessional by the way ). There's no way this amount of money should have even been allowed to leave my account without a notification to my phone, when they block me for a simple purchase of {$5.00} asking me to deny or approve it. 

I then contacted XXXX XXXX XXXX several times after i wasn't getting anywhere i emailed the ceo and a rep contacted me and and actually attempted to help me regain funds that were takin out of my account which she seen it was a charge by a travel agency, she called them and left emails with no response back, she gave me their info and and called as well. she stressed that she couldn't retrieve funds a travel agency submitted under their business umbrella that i need to contact my bank and my bank would be be able to get the funds back. 

i emailed the ceo of bank of america about them denying my claim, and how their workers assume without doing the foot work and telling me no. I also included the voicemail transcript XXXX  left backing up their efforts to help me.

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 2021-03-13
Company: Finance System of Toledo, Inc.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have automatic payments enabled from my Wells Fargo checking account to my Wells Fargo Visa credit card for the minimum balance due each statement period. These minimum payments are enabled to prevent me from missing a payment. 

When I logged onto my online account on XX/XX/XXXX, I saw a banner indicating that my payment was late and to make payment as soon as possible and that my payment was due on XX/XX/XXXX. It should be impossible for me to make a late payment because I have automatic payments enabled. 

Wells Fargo posted my transaction late, despite prior payment instructions, in order to penalize me for late payments.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. I had applied for an Auto Loan on XX/XX/2021 and started researching some Cars by shopping around the Dealers for around One Month. 

2. Unfortunately, even though all of my Credit applications were within a period of One Month, the TransUnion credit report shows that there has been 13 hard inquiries to my account which is incorrect and that needs to be treated as only ONE inquiry as per the Credit Bureau norms since it was made within a period of 30 days window and moreover MOST of the Inquiries were within a period of 14 days window.

3. When I tried to dispute the number of inquiries with TransUnion, they are asking me to PAY a fees for the dispute saying only paid members can dispute any reports. Screenshot attached herewith.

4. When I am trying to call the TransUnion on their phone number, it's always transfered to an automatic answering system which says my identity could not be confirmed and I need to fill an onine form in www.transunion.com to dispute any item on the Credit report which again asks for a FEES for any disputes or annual Credit Report.

5. Also, I tried to request my Credit Report online but again TransUnion is demanding Fees for the Report which they need to provide FREE OF COST once each Year.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all these inquiries from my credit reports

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 2023-01-03
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2019-05-24
Company: Upgrade, Inc.
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XX/XX/XXXX 1. XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: NV
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 have sent in numerous times to have this information blocked and this company continues to report this harmful information on my credit report Ive sent in my identity theft report as Ive stated I dont know who this information belongs too. I have been a victim of the equifax data breach. This information is not allowing me or family to be able to move on both bureaus removed this information except exquifax. They have also made it to where I can call in an report the inaccuracies or even state my behalf I feel this is not fair. 
XXXXXXXX XXXX collections Should not be able to do this to me According to facts 605B these items must be be blocked until the investigation is completed by the FTC Ive filled a civil Litigation against exquifax for Unauthorized and fraudulent accounts on my consumer report. I have also filed complaint with the cfpb as I await my court date for deceptive practices by this credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Real state sent me from a scam account to wire money to buy a home with tittle company, bank and tittle company didnt talk to each other to confirm bank account numbers and info, I asked the bank to return my money, its on truist bank

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 2023-01-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened an XXXXXXXX XXXX Card account in XXXX of 2021 and closed the account one month later, but they havent returned my {$200.00} deposit back since then. Ive contacted customer service at least three times but theyve always said that if my account doesnt have anything owed ( which it didnt when I closed it and still doesnt ) that Ill receive my check in the mail within 14 business days. Its been over a year now and its not an issue of them having the wrong address because theyve sent me mail asking how my experience with their customer service was when I had to ask where my deposit was yet again.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXXXXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$250.00} Open balance XXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 DONT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, Transunion, XXXX, XXXX have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, Transunion, XXXX, XXXX are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, Transunion, XXXX, XXXX are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.

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 2023-10-11
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2023 I checked my Wells Fargo checking account to view my direct deposit from My job. I noticed my balance dropped extremely low, I then check my statement and see 15 charges from XXXX  that I did not make including one deposit credit of {$1000.00} that I did not make. I immediately called Wells Fargo customer service to report this and They replaced my debit card and started a claim. They advised me there will be an update within XXXX business days. Following the call, I filed a police report with my local Pd. Coming close to the XXXX business day, I miss a call from a number which is Wells Fargos claim department due to my workplace not allowing me to be on personal phones. The voicemail states that a Wells Fargo claims XXXX has a few questions for me regarding my claim and to call back this number. I call back as soon as I can and was advised that I cant connect to the case XXXX as they are in the backend team. I explained they called me at work and then I was asked to provide a time frame I can answer the phone for their call back. I gave the time frame and it was noted by the representative. The next day I was called at the same time at work, and I wasnt able to pickup the phone again. This time the voicemail stated that the claim has been decided and to call back this number. I call once again and was advised that I cant connect to the XXXX as she requested me to, and this time they asked if I have a work number I can answer the phone for the call back. I gave my work number. This is XX/XX/2023. The supervisor who noted my work number said they will call me within XXXX hours. It is now XX/XX/2023 and I didnt get any call back .i call the claims department once again and was finally given information regarding my claim. They told me that the claim was denied since Wells Fargo cant confirm fraud occurred. They advised me to file a police report, which I did weeks prior, and to contact the merchant. The issue is I did contact the merchant the same night I called Wells Fargo to report these charges. They advised me that the charges I am describing to them do not appear on my XXXX ID. Thats it, no more information at all. My wells Fargo debit card was never attached to my apple wallet before, I never used Wells Fargo on apple pay either. My XXXX XXXX account shows no transactions, and the only cards I ever had attached to my apple wallet was my capital XXXX credit card and my XXXX XXXX XXXX credit card.

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 2023-01-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: TX
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/XXXX I disputed a transaction because I did not receive a full refund for a defective product that I returned to the merchant.

Citibank began investigating and determined that because I had already received a 50 % credit that the dispute was invalid, despite the fact that I had returned a defective product and was told that I would receive a full refund for the product.

This goes on and on all the way until XX/XX/XXXX where I have been told that the dispute can not continue because of a limited time frame, despite the fact I disputed the transaction in good faith in on XX/XX/XXXX and the item was purchased on XX/XX/XXXX.

My funds have been held hostage, I have neither the item nor a full refund. I have been scammed!

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 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was out of the country for three months from XX/XX/XXXX to XX/XX/XXXX for family emergency. 
When I came back, my debit card is not working. I went to the bank of america on XX/XX/XXXX and I ask them why is my debit card not working. They told me, my bank accounts are frozen because of suspicious activity. My all money in the account is not there. And I immediately claimed those withdrawal are not mine. 
These is for sure fraud to my account. I notice the scammers fraud my bank. I report to federal trade commission someone is using my personal information and I let them know. 
I lost from my saving account XXXX dollars and checking XXXX dollars. I'm very disappointed by this situation. I can't pay my rents and it's ruins my life so bad. 
After all investigation, from the bank they are saying, the charges are made by you or by someone who has permission to use the card. I do not authorized any one. I don't lost any card or Id either. This is like covering up the situation for me. This is totally unauthorized debit transaction.

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