BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have 3 hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened one. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. 

Thank you

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 2021-10-18
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
Trasworld is reporting a fraudulent account on my credit file. I didnt open this account nor did I authorize anyone to do so on my behalf. I only had one account with XXXX XXXX and that was settled on XX/XX/2020. They are claiming that I had two accounts, but that is not the case. I only had one and I resolved it. This account is absolutely not mine, and needs to be removed from my credit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
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:
My account kept getting charged and hacked. Wells Fargo took 90 days to investigate. Gave me another account and card and it started 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 explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TD BANK US HOLDING COMPANY
State: WI
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 and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX and XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 was transferring money from my XXXX XXXX checking account to Bank of America to be ready for a big withdraw, which I was not sure the amount, so I was sending it over XXXX weeks to build up a balance. 

I got a text about XXXX of the transfers and confirmed via text. I thought this text was about the transfers I was making into the account so I confirmed. 

Come a couple of weeks later I have the withdraw coming in and I go to check my account and there is no money and the withdraw fails. 

I locked my card and called BoA and they put in a transaction dispute for a merchant that as soon as I put money in would empty the account ( that's what it looked to me ) Bank of America refused to provide provisional credit and said the investigation is due to close on the 10th day, which is conveniently when by law they have to provide me the credit for the dispute. 

I have two other dispute pending with them for around {$300.00} they did give me credit, and that was due to their own incompetence for giving my credit info to a blocked merchant TWO TIMES after I had issues with said merchant and they " blocked '' the merchant. 

So to me it looks like they will not give me credit for the dispute and are looking to close the case against me, possibly because of the two other disputes I already have, which was THEIR FAULT for giving a blocked merchant my new card info. 

My account over drafted and i have about {$1500.00} missing and bank of America does not care. 
Going by the last two dispute they may as well give my new card info to the merchant that my compromised card was used to take over {$1500.00} usd

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 2023-12-11
Company: JPMORGAN CHASE & CO.
State: CA
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:
2 transaction took place on Chase Credit card in the amount of {$320.00}. Purchase was sent back to sender after XXXX  XXXX failed to deliver item due to weight. # XXXX 1st transactions refunded on XXXX XXXX and 2nd transaction action charged and never refunded on XX/XX/2022 # XXXX for {$320.00} never refunded credit card closed account after Chase XXXX out card after lump sum payment of {$2800.00}, even after proof of fraud rejected by Chase Interest for Cash advances paid in 24 hrs still being added to close account. Several payments and refunds has been stolen. Store receipts reflects total, Chase adds extra change to purchases reported for an XXXX XXXX purchase refunded for a never received funds after order was shipped for out of stock goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A bill of exchange was deposited into my account of {$16000.00} which a deposit is a loan to the bank according to 12 USC 14 31 Huntington Bank chose to steal the securities collect the interest of the beneficiary to the account and has a fee schedule on file with the branch that I opened the account with and now has caused my company to invoice for the fees of the fee schedule this is a notice of intent or funds must be paid in 3 days of receipt of this complaint also a complaint has been filed with the comptroller of currency and the Federal trade commission also Huntington Bank close my account installed {$250.00} which they claim that they were going to send in the mail by check which I never received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, our accounts ( checking and savings ) were frozen due to fraudulent activity. WF said they would be closing the account. XXXX went to the manager of the XXXX branch to see if she could get a check for our funds or part of the funds. He was very helpful and got on the phone to fraud dept and they said they could only do that if both people on the account were present. XXXX and XXXX, who got off early from work and came from XXXX, then met over at the XXXX branch. The manager there was also very helpful and again called the fraud dept and was told they could not help them and transferred to another dept, who did not answer the phones because they had gone home at XXXX. So XXXX and XXXX came back in the next morning, taking time off from work, for the manager to call again. When she finally got hold of someone they said all funds were frozen until XX/XX/XXXX when a check would be cut and the accounts closed. She tried to get even part of our funds for us to live on, but the fraud dept refused. It is now XX/XX/23 and our funds have not been released and no communication has come to us about when we can expect our money.

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 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
AMEX talked me into getting a business card and said the annual fee would be waived like my platinum card because Im XXXX. They charged the annual fee and will not refund it even thought I turned in all the paperwork multiple times and was promised to have it waived. Ive called multiple times and have requested a call back from a supervisor but havent heard back. They charged me another annual fee the following year and have been tacking on interest on the wrongfully charged fees and will not remove them and the interest. I asked to close both cards and they refuse. Now they have collection agencies contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i notice on my credit report that i had 2 collections that was reporting that is not related to me and the credit bureaus Transunion and XXXX violated the FCRA by reporting A collection account without sending me a verification letter stating that its my debt. The collection agency XXXX XXXX XXXX XXXX XXXX violated the FDCPA pursuant ( 15 U.S. CODE 1692g - Validation of debt ) they never sent me a letter in the mail nor electroninally stating that i owe this is a violation that need to be handled

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 2023-12-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo is yet again screwing over its customers. I reached out to Wells Fargo about a questionable transaction for {$39.00} tonight, Saturday, XXXX XXXX, XXXX only to be placed on hold for more than 20 minutes. The bank tells customers to contact them immediately when something like this happens, but then fails to provide customer service when you reach out. 

This is just par for the course for the most morally corrupt company in the XXXX. The bank will not give out local branch numbers, instead you must talk to a customer service member who doesn't know the answer to the simplest questions. The bank tells are also next to useless when you go visit, and the managers are always not available ( The one on XXXX XXXX in XXXX, XXXX ) The bank is always slow to credit deposits and never responses to email correspondence. I use this bank because I travel a lot for my job and need a bank with locations in most states. 

Why doesn't the XXXX actually do something about this horrible, horrible bank more than issuing press releases stating it fined Wells Fargo fines of millions of dollars? My question is does Well Fargo actually pay those fines? 

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 2023-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My bank account was hacked so I couldnt pay my monthly credit card payment. 

They are charging me {$400.00} per month late and junk fees each month, total is now over {$2000.00} in these junk fees. 

I am out of work and have no way to pay so I asked if I could pay {$100.00} until paid off. 

They said no. 

I dont know what to do

Company response to consumer: In progress
Consumer complaint received 2018-01-14
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
on XX/XX/XXXX at about XXXX est, there was a bitcoin sent from a third party to a bitcoin address i provided. the transaction has been confirmed on blockchain and three weeks later coinbase has still not deposited said monies to my coinbase wallet. i sent several emails to coinbase asking where funds were. the first two responses were computer generated and referred me back to their website. after sending the third email on saturdayXX/XX/XXXX, i received an email stating as follows : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' their customer support site had a message up that stated they were experiencing delays since mid XXXX. however, today that message simply says that the only delays are involving id document verification. this would have me believe that previous delays were handled. however, i checked my account today and my deposit still does not appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Due to XXXX data breach and identity theft by capital one by falsely reporting on my consumer report. According to 12 CFR 1022.3 Anything added to my report without written consent is considered identity theft. 15 U.S Code 1681s-2 A person shall not furnish information relating to a consumer to any consumer reporting agency. They are also in violations of the Fair Credit Reporting Act. According to 15 U.S. Code 1681b- Permissible purposes of consumer reports ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I did not give my written consent to Capital one to report on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Affirm Holdings, Inc
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My interest rate is almost 38 %, I am applying for the 6 % max interest since I am XXXX XXXX XXXX currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My account appeared to have multiple IP addresses. Binance US. Froze my account. I have been trying to prove that I am the owner of that account. I proved with video, ID, and selfies. I have been able to buy and deposit dollars. I have not been able to transfer anything out of my account. I am not able to log on and see my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-09
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Received a credit card statement in the mail dated XX/XX/2023 from Wells Fargo Bank , N.A . Statement has a balance of {$0.00} and a credit limit of {$5000.00}. I did not apply for this credit card. This credit card account does not currently show up on my credit report through 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