BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I lost {>= $1,000,000} to a wire scam. A group of people impersonated XXXX and XXXX police, they reached out to me and claimed that my identity has been used to create several accounts ( that I am not aware of ) for money laundering and I was pressured to wire money to their accounts so that they can investigate. I fell into the trap because they provided very detailed information about me and my family ( to get my trust ) and they also stalked me ( to make me fear ). 

They pressured me to wire {>= $1,000,000} to Bank of America on XX/XX/XXXX and the suspect confirmed that they received them on the same day. 

I realized it was a fraud on XX/XX/XXXX and contacted XXXX ( victim bank ). They helped me initiated wire recall on XX/XX/XXXX and also created new accounts for me. They said the wire recall would take XXXX business days.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Continuing to report false inaccurate information. and refuse to correct, inaccurate total amount owed between CRA 's and the original creditor. Never sent my 1099. I demand this account be updated to paid in full on time as agreed.

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 2021-08-23
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

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 2023-09-12
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Chime I created an account direct deposit for payroll deposit should have been on XXXX XXXX for XXXX. Spoke with payroll from my Employer and verified it was sent to chime and verified the correct routing and account numbers. I have called and emailed and they just tell me there is no current direct deposits for my account. 
Its now been XXXX days with no resolution and no communication except they dont see a direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 I was double charged at XXXX for {$180.00}, I returned the item I purchased to try to get my money back and they only returned one of the charges and the other charge was never returned. I contacted cash app and XXXX and at the time both were telling me there was nothing they could do. I disputed the charge and was denied, I continued to dispute the charge with cash app and was denied every time so I decided to call XXXX executive office and was finally notified that they had started a refund for my double charge on XX/XX/2022. I waited the 10 business days and still had not received my money back so I then called cash app again and they stated that they didnt have a pending refund coming to my account, so I called XXXX again to make sure they refunded the money when they said they did and the executive office confirmed they had. I requested the documents from which cash app used the determine my denied dispute and they merely sent me a purchase summary, with nothing more than the store name and the amount I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: ALLY FINANCIAL INC.
State: PA
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:
A late payment was reported on my credit report. I've never made a late payment during the life of this loan, when i contacted the company ( Ally Financial ) they provided me a document indicating that my accent is current and has never been late, and that they would correct any discrepancies on my report. 

To date, that discrepancy is still on my report. I am not sure if it's the credit reporting agency or the company that hasn't fixed it because I've reached out to both with no results.

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 2017-02-23
Company: Colony Brands, Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
GINNYS : I have never requested a line of credit with Ginnys. I started receiving the magazine which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-04-21
Company: PNC Bank N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a credit card through PNC Bank, which was formerly BBVA Compass at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. BBVA COmpass said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure BBVA email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my XXXX credit report and still see the 30 day late. So, I submitted a dispute through XXXX, who left it the same post investigation. The bank is now PNC so not sure if they have all the records. I logged in today to the BBVA portal and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Titan Receivables, 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:
I have filed a dispute In regards to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management has placed a collection on my credit reports in the amount of XXXX. I do not owe this balance. I DO NOT have an account with XXXX ( which is who they purchased this fraudulent account from ). This is myself letting you know that this account that you have listed is FRAUDELENT and a RESULT OF IDENTITY THEFT and i would hope that you take those seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Acceptance sent me a letter explaining that I agreed to terms and obligations that I did not agree to. This is complete Fraud on their part. I did not agree to a new payment schedule, I did not sign anything.

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 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear CFPB- Thank you for taking the time to hear my complaint. 

1 ) An EDD Bank of America was created while I was a resident in XXXX XXXX an est 15+ Years ago. 

XXXX ) I made multiple attempts to close the account when I moved from XXXX XXXX CA to XXXX XXXX XXXX California over a 10 years period. Multiple attempts to close the account were made to California 's EDD Dept., at a Bank of America branches and then finally the Banking Commission.

3 ) After contacting the Banking Commission a representative from Bank of America contacted me. He said there's nothing they can do, I need to contact California 's EDD office. This was two years ago. 

XXXX ) Today, XX/XX/2023, I receiving another Bank of America statement. 

Any help in closing this account would be most appreciated. 

Sincerely, 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 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After approximately 15 years of being a customer at Bank of America my account was abruptly closed WITHOUT notice. I went to purchase some, much needed, medicine at the pharmacy and my card did not work. I tried to log in online and my account was locked. 

I called the bank to see what was going on and I was informed that my account was being closed. When I asked why I was told " The bank has the right to terminate its relationship with you at any time and has made a business decision to close your account. '' I asked for a specific reason and that is all that I was told. 

I had about $ XXXX in the account and I was told that it was being mailed to me and that it would take 10 to 15 BUSINESS DAYS. 

I now can not pay my rent which is due on the XX/XX/XXXX. I am going to get charged an approximately {$350.00} to {$500.00} late rent fee because I do not have any access to my money. I am also going to get charged late fees to creditors. I have critical medicine for some VERY SIGNIFICANT medical issues that I now can not pay for, for the next few weeks because I have no access to money. 

I also, have payments from my job that are supposed to hit my account via direct deposit. ON TOP OF ALL OF THAT I CAN NOT OPEN ANOTHER CHECKING ACCOUNT BECAUSE I DO NOT HAVE ACCESS TO MY MONEY AND WONT FOR POTENTIALLY 3 WEEKS. Had I been given even a 24 hour notice I would have been able to pull my money out of my account and take it to another bank. 

This is a COMPLETELY unethical business practice regardless of what the terms in the account agreement state. A bank has captial set aside for unforseen and XXXX business events. Yes, a consumer can close an account with a bank at any time without notice. A bank, however, has funds sitting in an account because this is a XXXX activity. A consumer does not expect a bank to close its account after 15 years WITHOUT NOTICE!!!!! 

I recently entered into a hardship program with my credit cards at Bank of America due to medical issues and I beleive that Bank of America is discriminating against me because I have entered into that program. I think this should be publicly communicated. I do not know what else it could be becaue Bank of America is being very secretive about why they closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
Delete Hard 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 Delete XXXX  XXXX XXXX XXXX Delete XXXX XXXX XXXX XXXX  I do not have a contract with with these collection agencies they did not provide me with the original contract as I requested.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been an authorized user on a chase freedom unlimited credit card for many years, but the card does not show up on my credit reports. I have had this card since before I was issued an SSN. After I was issued an SSN ( 11 months ago ), I made sure to update the information with Chase. I have already contacted XXXX to make sure that they were reporting the card to the credit bureaus. XXXX other cards that I have are showing up on the credit report, but they are less than 6 months old and thus I am not being issued a credit score. I wish to have this resolved ASAP so I can use my credit score to apply for a mortgage.

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 2022-04-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX XXXX XXXX That is the name of the company I supposedly had services from that I allegedly originally owed. I looked them up and could only find any information on them about having an XXXX rating with the XXXX XXXX XXXX multiple people have had the same situation where they have not been to any of their physical locations and they have been charged similar amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed a fraud/scam complaint with Regions Bank for {$500.00}. This claim was denied because of lack of documentation. I resubmitted with documentation. The bank denied it again and told me to resubmit the claim again hoping to get a different person to review and approve it. That sounds absolutely bonkers to me. The bank sees me a small nuisance. Im not a large depositor so theyre mistreating me. I have never submitted a claim to them before. They need to help, not kick the cam down the road. Claim # 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 2023-07-25
Company: Early Warning Services, LLC
State: FL
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:
Reference Case number : XXXX Account number ending XXXX Closed Charged off. I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( XXXX XXXX ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call XXXX XXXX at XXXX, I spoke with XXXX XXXX XXXX XXXX customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. XXXX XXXX incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my XXXX XXXX. I believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to EWS ( Early Warning Services ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against XXXX XXXX and satisfy the open invoice as it relates to my research of this claim.Both XXXX XXXX XXXX XXXX along with EWS ( Early Warning Services ) have violated my rights- In accordance with the fair credit Reporting act XXXX Account XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CA
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:
Equifax Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I demand that you comply with the disputes letters that I have sent to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under color of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.

Company response to consumer: Closed with explanation