BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit 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:
I have attempted to resolve a dispute with Bank of America numerous times for a fraudulent transaction charged to my Visa card on XX/XX/2023. The transaction was a " Coerced debt '' charge initiated by XXXX in XXXX, XXXX in the amount of {$1400.00}. My son and his friend were enticed into a club by the promise of a {$30.00} cover charge that included their drinks. When attempting to leave, the staff indicated they owed {$1400.00} to which they vehemently disagreed. At that time, my son 's friend was assaulted and physically removed from the establishment. My son, XXXX was then threatened with a baseball bat, and told if he didn't produce a credit card, he would be assaulted as well. In fear for his life, my son gave them his credit card. The staff refused to give him a copy of a bill and he didn't sign the charge slip. My dispute was denied by Bank of America. They refused to request the detailed bill or the signed charge slip from the merchant. This was clearly a scam and this charge was coerced through the threat of violence.

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 2020-03-27
Company: EQUIFAX, INC.
State: TN
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:
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 These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Dear Wells Fargo Team, I appreciate your response to my concerns ( Case Number : XXXX ), but I must express my ongoing dissatisfaction with the lack of resolution. Despite multiple attempts to add my XXXX XXXX account to my Wells Fargo online profile, the issue persists. Your suggestion to contact the Online Banking Department has proven unhelpful, leading to continued frustration and confusion. 

I have escalated this matter to the Consumer Financial Protection Bureau ( XXXX XXXX : XXXX ) due to the unresolved nature of the problem. I urge you to reevaluate the situation comprehensively, as it directly impacts my ability to manage my accounts effectively. The closure of the case without a satisfactory resolution is disappointing and does not reflect a genuine effort to address my concerns. 

I expect a more thorough investigation and a resolution to this issue. 

Thank you, 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 2018-10-10
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my loan with XXXXXXXX XXXX  in XX/XX/2018 for a total of just shy of {$22000.00}. This was to cover my XXXX loan which was around {$14000.00} and my XXXX XXXX loan which was around {$8000.00}. As confirmed by the XXXX XXXX XXXX rep, all documents submitted were for my XXXX XXXX loan ( now paid in full with no issue ) and XXXX. The new refinanced loan was again to be serviced by XXXX. In XX/XX/2018, when the payments for the refinance were processed, XXXX XXXX was correctly paid in full but my payment for XXXX was applied to a NelNet ( a XXXX XXXX Federal loan which was sold to NelNet for under {$6000.00} ) account. At that point, I reached out to all three-XXXX, XXXX, and NelNet. They did not account for the remaining portion of the remaining loan which had not been allocated anywhere I could see but were charging me for both loans. However, in this case, they were able to correct the error and my payments for the new XXXX and the existing NelNet loan had their payments auto-debiting as I had set up. 

On XX/XX/XXXX, I found that the payment to my original XXXX loan had been reversed and a partial payment was applied to XXXX and the remaining funds were applied to the NelNet loan. Again, the NelNet loan was never referenced in the documents I submitted for the refinance. Since the XXXX, I have called them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The issue has still not been resolved, they have given me no timeline to fix it despite funds being with their parent company, and XXXXXXXX XXXX  XXXX is now calling and saying my account is past due. I have received only a single callback and the person called to say there was no update. At this point, they are reporting my account over 30 days past due and we are quicky approaching 60 days past due. They are also falsely assessing late fees ; as they have confirmed they can see the payment in full but do not have an explanation for why the payment was then reversed. They refuse to freeze the account or to stop reporting it past due -- hence the calls from XXXXXXXX XXXX XXXX and, despite knowing this is a duplicate issue, they have yet to fix the issue. 

Attached are all statements for both loans that I received since XX/XX/2018 and statements for NelNet. There is additional information showing my account information with XXXX and all received statements from NelNet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 am writing to express my concern and submit a complaint to EQUIFAX regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EQUIFAX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car in XX/XX/XXXX. I was sent payment information for my new loan through Golden 1 Credit Union.  The payment was due on XX/XX/XXXX. On XX/XX/XXXX I used XXXX XXXX XXXX to pay my car payment. I provided the account number provided to me by Golden 1. On XX/XX/XXXX I received a letter saying the payment was 15 days late. I logged onto my XXXX account and saw it was paid electronically on XX/XX/XXXX. I called Golden 1 and was told they never received a payment. I said it was paid electronically through XXXX. The agent on the phone kept saying it might have been lost in the mail. I said it was not mailed, it was electronically transferred and I already verified this with XXXX. They told me it transferred on XX/XX/XXXX and the money has left my account on that date. Golden 1 has the {$510.00} payment. The agent at Golden 1 was provided a tracer number but said she could not locate my payment. I asked her to make a note of this dispute because I did not want my car to be repossessed or to be marked late for payment. She said she could not do that. I then wrote two dispute letters and provided the proof of payment from XXXX to both complaint addresses. I received two more letters on XX/XX/XXXX from Golden 1 stating the payment was late, and they have not received a response from me. Even though I have called and sent two letters, and they are going to take appropriate steps to collect. A second letter stating it was 21 days late arrived as well. I have now sent two more letters in response. Golden 1 Credit Union 's response is unacceptable. They just seem to throw up their hands and ignore the issue. XXXX transferred the loan payment of {$510.00} on XX/XX/XXXX. My loan is not late, and they have lost my funds and refuse to respond or address the 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 2023-01-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a message on my phone to confirm Chase credit card transaction, I replied with NO, as requested in the message as I did not perform the action then received another message that someone from chase bank will call. I received a call from chase bank No. ( The same No. at the back of my Debt ), the person introduced himself as a Chase bank officer told me that my credit and account was compromised and that I need to open a new account, he walked me through the app to transfer the money to the new account and give me the name of XXXX XXXX as bank officer and I transferred {$7500.00} to the new account, I was told that I will receive another call and I need to confirm the action, when I asked how I would know that I am speaking with Chase Bank, he told me to look to the number he is calling from and compare it with the number at the debt card back and so I did and it was the same number, later I received a call and I was asked to confirm the transaction and I replayed that I confirm the transaction for opening new account. After few minutes I checked my account over the bank application and found out that the {$7500.00} withdrawn from my account and no change on account number, I called the same number XXXX XXXX XXXX XXXX and I was told that the bank called only one time to confirm the transaction and it was confirmed and completed and this is not considered as a fraud as I performed and confirmed the transaction myself. I sent to chase bank all what happened through the secure message center and they replied that they will get back to me within 1 business day. Chase called this morning and informed that they already contacted the bank the money was transferred to, and the bank replied that they can not do anything. 

I believe the bank should have helped more and secured my money back for the following : 1- The fraud/scam call that I received was from Chase bank number, same # at the back of Chase Debt card. The bank never informed me as a customer that a call from Chase Number might be a scam.

2- I called the bank 10 minutes after the incident, the transaction was still pending, and the bank refused to call the transaction off, due to the fact that the scam call came from Chase Bank Number , they should have procedure to stop transaction even if transfer was confirmed first time.

3- The Bank should educate the clients with possible scam calls or fraud, but we never received relative information from the bank. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was applying for a car loan today XX/XX/2020 and I was not approved because to my surprise, there are accounts in negative standing appearing on my credit report. I looked through each accounts and I found a few that are not mine. I listed all of the accounts that are not mine on this report. I did not allow anyone to open those accounts in my name ; I do not have a written/verbal contract with any of those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I never made any purchases or payments towards these accounts. I have filed a police report as well as a complaint with the consumer financial protection bureau regarding these suspicious accounts.

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 2020-05-05
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I deposited XXXX btc with coinbase, and now my account is disabled. Ive reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why Im not able to access my BTC or even login to my account! I want an explanation and resolution NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: SYNCHRONY FINANCIAL
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XX/XX/23 Synchrony Bank Customer Service Department XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Discrepancy in Account Balance and Request for Immediate Rectification Dear Sir/Madam, I am writing to address a concerning issue regarding my credit line with Synchrony Bank , which was associated with my account at XXXX XXXX XXXX in XXXX, OK. I am requesting your immediate attention to rectify the matter as it has adversely affected my credit score and is impeding my ability to purchase a home for my family.

To provide you with the necessary details, at one point, I had a credit line with Synchrony Bank through XXXX XXXX XXXX. I am pleased to inform you that I have responsibly managed my account and have successfully paid off the entire balance in full. However, to my surprise, I recently discovered that Synchrony Bank claims that I owe them an additional sum of {$20.00}, despite the fact that my account was settled and closed. 

I must emphasize that I have not received any correspondence from Synchrony Bank, whether in the form of letters or emails, regarding this alleged outstanding balance. I maintain meticulous records of my financial transactions, and I can provide evidence that my account has been paid off in its entirety. This unexpected discrepancy has caused a significant decline in my credit score, which has a direct impact on my ability to secure financing for our first home.

Given the gravity of the situation and the urgency it demands, I kindly request your immediate attention to rectify this matter. I implore you to conduct a thorough investigation into my account to verify that it has been settled. Furthermore, I request that Synchrony Bank promptly correct my credit report, removing any negative remarks or indications of an outstanding balance, as it is unjust and inaccurate. 

It is my sincere hope that this issue can be resolved expeditiously and amicably. I have always strived to maintain a positive credit history, and this incident is an unfortunate anomaly that I trust can be promptly addressed. 

I kindly request that you provide written confirmation of the resolution reached, including any adjustments made to my credit report, within 15 business days of receiving this letter. I would also appreciate a direct point of contact should further communication be necessary during this process. 

I look forward to your prompt response and a swift resolution to this matter. Thank you for your immediate attention and understanding. 

Yours faithfully, 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 2018-10-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint before on this same issue and just got the latest response. Their response finally acknowledges that he was not authorized on the account and the multiple court documents crafted, signed, and submitted for them. However, it claims that I gave him permission to use the extra card that he ordered from them without my knowledge. Really, Wells Fargo? I found out about such a card when he took it as he took a couple of other things ( including money that was legally solely mine out of a Wells Fargo account after Wells Fargo had been informed that he was not an authorized person and Social Security had also made the same determination ). I reported the thefts to the local police. They were not sure how to respond because of the federal element ( social security ) and directed that the court would determine response. The court did. He stole those things. I am not to be held responsible or liable for them in any way ( held harmless ). He must make restitution for what was taken / fraud. All of this ( police report, court documents ) have already been given to Wells Fargo. They know that I did not hand him a credit card and tell him to use it after removing him from all of the accounts and calling the police on him. They gave it to him without my permission ( just like the cash he also took from their account ), in fact after being explicitly informed not to, and he absconded using it. As soon as I found out, I reported it, and they have continued to pull one excuse after another from a pre-set list, often rotating them, on why they won't fix the issue. And excuse after excuse doesn't hold water, is illogical, is countered by documentation, is countered by courts. So they can try again here. I've already shown that he was not authorized, that literal theft and related crime was committed. If they want to claim that I still somehow told him to use this credit card, then they need to prove it ( because it's axiomatic and documented that I did not ). Find another, better excuse, Wells Fargo.

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 2022-08-12
Company: OLD NATIONAL BANCORP
State: MN
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:
Old National Bank called me a couple of weeks ago to ask me to make a payment. I explained that I had never applied for a loan there, and that all three of my credit reports have been frozen for several years, so no one should be able to establish any new credit in my name without my knowing about it, so I assumed that the call was fake. 
Then, on Thursday XX/XX/2022 I received a Past Due Notice from the same company -- Old National Bank ( XXXX XXXX XXXX XXXX, IN XXXX ) -- that showed a principal balance of {$22000.00} that had become past due on XX/XX/2022. I checked my credit reports online immediately, and it appears that the loan was taken out on XX/XX/2022. I believe this loan was done fraudulently without my knowledge. I have no idea how this company was able to create a loan in my name when I have freezes in place with all three credit reporting agencies.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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.

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 non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief