BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
After the Bank of America contacted me about my stolen CC card from the XXXX card and provided me with the information that my card was being used in New Jersey, I verified that I had not received the card, used it myself, or had not authorized anyone else to use my card. 
The card was stolen in the USPS system and was never delivered to me in XXXX at my address : XXXX XXXX XXXX. XXXX XXXX, XXXX, NY XXXX. The card was also activated by Bank of America and was ready to use for any transaction, which I did not know about or agree to. I have filed a claim with the FTC report XXXX. In addition, I have opened a case with the Postal Service, Inspector General to investigate the theft of mail, which occurred between XX/XX/XXXX and XX/XX/XXXX. Also, I have reported this to the XXXX to let them know that the Bank of America is not following guidelines for crediting me back for fraudulent charges on my account due to theft. The bank sent me a new card with the same activated conditions. The 2nd replacement card was active and ready to use upon receipt. No security or verification was added to the 2nd CC card the bank sent. Then after I opened the new account and set up the BoA app., the bank sent a resolution letter stating that they can not credit me for the fraud and I would be responsible for all fraudulent charges on the account. Bank of America is not honoring the rights of its cardholders and refunding fraudulent charges due to their own incompetence. Sending active CC cards in the mail with no security or verification settings is simply not OK!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank for my XXXX XXXX Credit card. I set-up auto payments for my normal payments. In an attempt to pay off the promotional balance before the intrest was to be applied to the account, and to pay off. I would make additional separate payments from the auto payments. But Synchrony canceled my auto pay each time extra payments are made, and charged late fees to my account. Synchrony refused to credit all late fees.

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 2023-12-04
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continual calling and not leaving voicemail. Called my wife and said I owed money for an XXXX trip back in XXXX Require proof from Phoneix Financial this is legitimate such as original invoice from XXXX  provider, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2022-12-23
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX, I paid off a credit card account in the amount of {$7200.00}. The remaining balance of all credit cards was {$760.00}. At that time, my credit score with Experian was XXXX. After paying off this account, without closing the card, Experian dropped my credit score XXXX XXXX  to XXXX on XX/XX/XXXX when my report refreshed. My score with XXXX  is XXXX and XXXX  XXXX. This is not the first time EX has done this when paying off a debt. When I view the " What's changed '' link, debt has decreased, credit line increased, all total accounts has decreased, which all state " help '' your credit score. When I called on XX/XX/XXXX, the agent ( XXXX ) stated that there was nothing negative in my account, although she could see that there was a new inquiry on my XXXX  report which does not affecting my EX report, but that they are unable to interpret my credit. That seems strange considering they are able to interpret my credit just fine to a vendor when they run an inquiry. However, when I view the notifications, it clearly shows the explanation of my score decrease on EX being due to the Inquiry on XXXX. This has nothing to do with EX and they should not be able to decrease my score based on an inquiry made to another bureau. Additionally, they refuse to correct my annual income which also hurts my debt to income ratio. How can they get away with this? Why are they being allowed to penalize my credit score for being a responsible person with my money and paying off debt. I could understand if I closed the account, but I did not. When I said all of this to the agent, she hung up on me. By looking online and reviewing complaints, this seems to be a repetitive issue. Just because they are 1 of 3 large reporting agencies, and ultimately a conglomerate, does not mean they should have the power to act in any manner they like without explanation or recourse.

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 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 there was a {$6000.00} XXXX  transaction made using my Capital One credit card for a total charge of {$6100.00} I got a text from XXXX asking if i authorize this transaction and i replied no. I then immediately called capital one and closed the card number that was used and informed them of this charge, since capital one authorized the charge even though it was for more than my limit on the card. 

When i contacted capital one of the charge it was still pending and had not been processed yet. Capital one still allowed the charge to go through. Then they said thus was an authorized transaction and i was responsible because i had previously sent money by XXXX. 

I don't understand why capital one couldn't have just cancelled the transaction while it was pending instead of letting it process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Preferred Collection and Management, 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:
I just received a notification that a collection was added to my credit report. I have no knowledge of this company nor I have ever received any services. I was never notified via mail or otherwise of me having any possible debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been telling XXXX that people are running my credit without being authorized. They do nothing to stop it send me generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Originally when I purchased my home in XX/XX/XXXX I was told that I would pay PMI insurance for 5 years. After 5 years if I had 20 % equity in the value of my home I could stop paying PMI. 

On a visit to the bank ( Wells Fargo, loan servicer ) around XX/XX/XXXX I was told that if I waited till XX/XX/XXXX I already had enough equity in the home and by then 5 years would have passed and I could apply to remove the PMI payment. 

I contacted Wells Fargo this month XX/XX/XXXX to remove the PMI and they told me no they wont do it. they say that the agreement with the original lender is that I have to have paid 20 % of the original loan to remove the PMI. 

This was not what was explained to me when I signed with my broker and also not what was explained by the mortgage advisor at Wells Fargo the year previously. 

I would like help to have this PMI payment removed I have enough equity and I dont believe I was informed correctly when I took out the mortgage. 

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them immediately

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a victim of identity theft which involves several banking institutions Wells Fargo acct. XXXX XXXX. Reported as account abuse to XXXX XXXXXXXX. As well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for acct abuse as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reported to XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NC
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:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this 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 2023-12-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2023 my identity was stolen and used to open a Sephora credit card account with Comenity Bank. The thief made over {$1000.00} in charges to my account. I opened fraud cases with XXXX and Comenity. After a weeks of investigation, both the credit bureau and Comenity found the account to be fraudulent. 

I last spoke with Comenitys fraud department in XX/XX/2023 and I was assured the account would be closed within 90 days. 90 days came and went but Comenity kept sending me credit card bills and calling to collect payment. I told them multiple times that the account was fraudulent and was supposed to have been closed. I was again assured that I did not need to worry about the bill and the account would be closed. 

A few days ago, I received a notice that the account had been sent to collections. They never closed the account and Comenity customer service would not provide a reason why it was never closed. Comenity now refuses to address this oversight on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I opened XXXX XXXX XXXX accounts totaling {$240000.00} with Bread Financials ( XXXX XXXX XXXX XXXX XXXX  ) 1. Before these CD accounts were opened or any service was provided, I did not receive any " account disclosures '' from Bread Financials, either via mail or email. 

2. At the time of account opening, I did not receive any " signed agreements with deposit terms and conditions '' or " disclosures on terms and conditions. '' 3. In XXXX XXXX, when I inquired with the institution about any potential early withdrawal penalties for the CDs, I was informed that I would need to pay a 1-year penalty to withdraw any money before maturity.

4. I notified the institution that I had not received both " disclosures '' and a " signed deposit agreement with full CD terms and conditions. '' 5. Further, I escalated the issue to the CEO of the institution via online customer service chat, requesting that they take full responsibility for failing to comply with required Consumer Acts and disclosure requirements before and during the opening of the CD deposit accounts. I also requested a waiver of the early withdrawal penalties.

6. However, on XX/XX/XXXX, XXXX days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution. 

7. As such, I have been deprived of my right to make an informed decision based on the institution 's full disclosure, as required by respective laws and regulations under Regulation DD and the CFPB XXXX XXXX XXXX XXXX Laws and Regulations. Therefore, I request that the institution take responsibility, at a minimum, by providing a full waiver of the early withdrawal penalties for those three CD accounts prior to maturity and resolving the escalated issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax wont allow anyone to run my report Special Messages Indicator : Information From Inquiry Identified As Potentially Fraudulent or Misused - Report Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My citi bank credit card was closed in XX/XX/2022. I had never missed a payment nor have I ever been late on mentioned account. The amount I owed was XXXX which I was going to pay once I got 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