BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
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:
XXXX 2020 was notified by Bank of America there was a charge on my CC I didn't recognize, I called the bank then was told to call XXXX XXXX XXXX XXXX XXXX said they didn't see any charge of {$58.00} so I was told to call BOA. I then called BOA to dispute the {$58.00} but instead of putting a dispute on the {$58.00} they also put a dispute on a charge I had made for {$16000.00}. Unaware that BOA ended up double charging me for the {$16000.00}, I cancelled my order with XXXX XXXX not realizing what BOA had done. Well, not sure exactly what happened but it took a hole year for BOA to reverse the double charge, plus some of interest and late fees after I wrote a letter to the bank. I have proof I have spoken to over 40 boa reps and supervisor to settle this matter. But, what does boa do, they sent my account to a collection agency without giving me notice. I tried to work with the agencies that were handling the problem but I just got the run around. BOA, is stating I owe {$6500.00}, but I have proof the amount they owe me {$7500.00}. When I have written a certified letter to both collection agency to show me proof that several chargebacks were returned to my account, I got 6 years of statements. The odd thing is the statements had two different balances on 7 months. Now, BOA served me with civil court papers and I had to pay {$220.00} to answer the compliant. I have over 100 pieces of evidence to show how bad I have been treated. I just printed out my credit statement and all of my accounts state Never late exceptional payment history except the BOA.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: UT
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:
As XXXX  I have received the response from Experian stating and I " Quote '' You are requesting to have the disputed items corrected or deleted from your report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XXXX XXXX XXXX   and XXXX XXXX XXXX Now I've reached out to the Bankruptcy Court house and in my the letter and they clearly states that and I " Quote '' they said ( other than a response to a specific request like the one you have made, the Court does not send files, or otherwise provide any information about any debtor to anyone! ) end " Quote ''. Now what public record vendor provided you with hearsay and yet you respond with no proof of your verification. I'm the debtor and the courts clearly stated they don't share any information with anyone not Experian, XXXX, XXXX or third parties period. So how can your public vendor verify this information? IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE, YOU INTTIAL RESPONSE VERIFYING THE ITME WITH THE COURTS WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT. you have bluntly lied and confirmed this has been verified by a phone call but no proof!

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has been paid in full, and per the creditor XXXX XXXX XXXX - this account was supposed to be deleted from my credit profile after it was paid.

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 2023-10-24
Company: EQUIFAX, INC.
State: TX
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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: SYNCHRONY FINANCIAL
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been on vacation XXXX today XXXX and received information from XXXX app that a XXXX Bank for XXXX PayPal credit card account in the amount of {$700.00} was opened during that time period of my vacation ( went to XXXX XXXX XXXX and in XXXX, GA from XXXX and 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 2020-02-25
Company: Priority Financial Network
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX My wife and I received a loan estimate for a {$450000.00} loan to refinance our home. It reflected {$1200.00} for services we could shop for. We signed and submitted our intent to proceed the same day and did not change or shop for service providers. On XX/XX/XXXX we received another loan estimate from the same mortgage company where the appraised value was changed from the estimated {$600000.00} on the original Loan Estimate to {$600000.00} appraised value on the second Loan Estimate reducing the loan to value from 75.00 % to 74.38 %. Loan amount and the interest rate were not changed. However, services that we could shop for were increased from {$1200.00} to {$1800.00}. I alerted the mortgage company and stated that we did not choose or change service providers and these fees should not be higher. I received no response. The next day on XX/XX/XXXX we received closing disclosure that reflected the same higher fees for these services. The loan closed on XX/XX/XXXX where the interest rate and the loan amount were exactly the same as the original Loan Estimate, but the final closing statement reflects {$1800.00} for services that we could shop for which is {$530.00} more than the amount reflected on the original Loan Estimate. I contacted the mortgage company on XX/XX/XXXX and requested a refund of {$530.00}. They refused and stated that even though we did not chose or change service providers, provided the intent to proceed in a timely manner, and there were no changes to the loan amount, the interest rate, credit rating, or other documentation, they were in full compliance and would not issue a refund.

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 2022-06-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting inaccurate and incomplete credit information. The credit report Experian provided shows a history of payment or payments being made late that are not proven and are incorrect. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber , USCA-02-C-0072, 7th Circuit Court , Sept. 2004.

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 2021-05-04
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
a charge was made on my XXXX chase visa card on XXXX XXXX for {$1000.00} from XXXX XXXX XXXX XXXX ca XXXX a mobile app ( i dont have one ) for a apple i pad, it was picked up with no id or signature, Chase sent me a e- mail fraud alert asking if i made this purchase, i hit the red bar and sent NO i did NOT make this purchase, they called right after and said the cancelled my XXXX cards and would sent new ones in 4 days, they did, I talked to 4 different departments at chase with NO luck, they kept saying i benifted, even after they said they knew of XXXX XXXX and XXXX  scams on their cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
The Family Educational Rights and Privacy Act ( FERPA is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary secondary or post-secondary school.

20 USC 1232g ( b )

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 2021-10-01
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was involved in an accident and was deemed as a total loss by my insurance company. This finance company Bridgecrest received the final payoff from my insurance company on XXXX XXXX. To date this company has failed to process the payment and close out this account. I am unable to obtain a new vehicle with this still showing outstanding. I have contacted Bridgecrest more the 7 times and they refuse to assist me with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 has now been 30 days since my dispute with the company. None of the account listed in my documentation has been notated as disputed, remove during the investigation, nor have I received any kind of communication of dispute. 
Transunion has been negligent during this investigation and is in violation of 15 USC 1681i. 
see attached documentation

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, i have sent certified letters to XXXX asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints

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 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was getting a call from this bank at least 5 times a day so I went to the bank to find out why they kept call me because I didn't bank with them. That's when I found out that someone had open an account in my name and found out certain information. They closed the account and told me that I needed to file a police 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
Consumer complaint received 2022-12-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In ability to contact Pay Pal customer service. The dept is closed and unable to receive calls via customer service.

Can not contact Pay Pal to resolve this issue after repeated attempts.

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 2023-05-23
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:
I HAVE TWO MAJOR PROBLEMS WITH MY BUSINESS CHECKING ACCOUNT : 1. XXXX FRAUDULENTLY WITHDRAWN {$95.00} OUT OF MY ACCOUNT AND NOBODY ANSWERS THEIR PHONE XXXX FOR ME TO INVESTIGATE. 
STILL, DESPITE PUTTING IN A CLAIM # XXXX WITH WELLSFARGO BANK TO SEND ME A NEW DEBIT BUSINESS ACCOUNT CARD AND FULL CREDIT REFUND THEY OPTED TO CREDIT ME {$47.00} ROBBING ME THE DIFFERENCE. NO BANKING POLICY SHOULD SUPERSEDE A FRAUD SITUATION. WELLS FARGO IS PUTTING ME IN HARMS WAY BY NOT CREDITING MY ACCOUNT FOR {$95.00}. 

2. I WAS TOLD SEVERAL YEARS AGO MY BUSINESS ACCOUNT MAINTAINS {$5000.00} OR MORE THAT I WOULD NEVER BE CHARGED FOR {$30.00} PER WIRE TRANSFER FEES INCOMING OR OUTGOING. STILL, THE BANK HAS CHARGED ME OVER {$260.00} IN WIRE TRANSFER FEES VIOLATING OUR AGREEMENT

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
When I looked up my name on the Internet, I found that some of my personal data was being used without my consent, and I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before contacting roughly XXXX different websites to have my information removed. I felt violated because I respect my privacy, and I also felt ashamed since I had to ask to have my items taken. I want those accounts to be terminated and fixed since I found unapproved, fraudulent accounts on my report. Remove any false and derogatory accounts from my credit report. My capacity to get credit has suffered as a result of this. I'm taking all the necessary steps.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft.

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

TransUnion, XXXX, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

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 2023-10-24
Company: EQUIFAX, INC.
State: MA
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 file a formal complaint and dispute regarding the inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$20000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Original Creditor : XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief