BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Greetings, on XX/XX/2023, there were UNAUTHORIZED charges made from my checking account with BANK OF AMERICA. These UNAUTHORIZED charges were transacted through XXXX, as someone fraudulently accessed my XXXX XXXX account, and made the transaction, which deducted the money from my checking account when my cellular device was lost/stolen. These UNAUTHORIZED charges were in the form of 2 payments, one for {$4600.00} and one for {$4500.00}. For a sum total of {$9100.00} in UNAUTHORIZED FRAUDULENT charges. One of the recipients that the money was fraudulently stolen and sent had the name " XXXX XXXX. '' I concluded that THIS PERSON had a part in the FRAUDULENT UNAUTHORIZED charges that were made from my account, and this person must be investigated, and their accounts should be reported. I contacted XXXX to dispute the transactions and gave information on the fraud, yet I was denied a refund of the charges with NO SUBSTANTIAL evidence or documents provided at all regarding the denial decision that was made. I requested documents that support their decision of denial, and all I received was an email showing the transactions that were made, and no other evidence that positively accurately support their denial. I then created a fraudulent claim with my bank ( BANK OF AMERICA. ) After a week of waiting, I was then met with a message including the denial of my claim from Bank of America for my unauthorized charges. There was a message included by Bank of America that stated, " The charge was authorized by you or made by someone who has permission to use the card or account. '' THE CHARGES MADE FROM MY CHECKING ACCOUNT WERE NOT BY ME, AND I DID NOT AUTHORIZE ANYONE TO USE MY ACCOUNT. There is supporting evidence of the person who was associated with the fraud, as the UNAUTHORIZED money was sent to this person, as their name shows up as one of the persons to who the money was sent to ( " XXXX XXXX ''. ) XXXX clearly has information on where the money was sent to, and which bank the money was withdrawn from. If they further investigated this, they will realize that the money was fraudulently taken from my account and was UNAUTHORIZED. They also have information regarding the banks involved with this fraud, as they can further investigate it. BUT I WAS DENIED OF MY CLAIMS AND DISPUTES BY BOTH XXXX  AND BANK OF AMERICA.

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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX {$160.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT KOHLS/CAPONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$780.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: WA
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Whom it may concern, I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified. 

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ). 
As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX ACCOUNT : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 complaint. Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT Metro 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: LA
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:
There are several hard inquiries on my report with the incorrect employer due to an improperly transcribed intake form at a car dealership. I never in my life worked for XXXX XXXX. I did however work for XXXX XXXX which if checked operates at the very same address. This incorrect information is tarnishing my good name and is against the law. I would like all inquiries with this incorrect employer removed as the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: FIRST REPUBLIC BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I requested a {$7900.00} wire transfer using the First Republic Bank mobile app. I got an email stating that the wire had been scheduled. 

Next day, on XX/XX/XXXX I received a second email stating that the they were unable to complete the transaction. At the time I did not see this email and thought the wire had gone through. 

In the mean time, the wire was not reimbursed or returned to my account. 

XX/XX/XXXX - The recipient informed me that the money never reached their account. I asked my account manager to please explain what had happened. He reached out to the wire team. 

XX/XX/XXXX - I still had no response from their wire team, and asked to get the money refunded. 

XX/XX/XXXX - spoke to customer support and they said they would get back to me which they never did. 

XX/XX/XXXX - the wire team responded through my account executive that The funds have not yet returned. Beneficiary has been contacted for debit authorization. To help escalate the return of the wire, please advise the client to contact the beneficiary and request them to provide debit authority to their bank. 

This is absurd. The beneficiary never received the wire. As mentioned FRB sent me an email stating that the wire was unsuccessful ( which means they could not deliver it ). How can they ask me to get the recipient to authorize a debit for a wire that they never received and that FRB acknowledged that they never delivered? 

The money was never delivered to recipient and has not been refunded 28 days after it was debited from 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 explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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  XX/XX/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 2019-01-27
Company: ALLY FINANCIAL INC.
State: WA
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:
I opened an account with Ally Bank a few years ago, and had only used the XXXX that they provided me with once. It turns out that my XXXX and only usage was with a company that never shipped me my goods. The transaction date was XX/XX/XXXX, and the date I reported this to Ally Bank was XX/XX/XXXX. XXXX 's website for chargeback indicates a 120 day period, but the letter I had received from the bank states, " Our research indicated that the transaction was authorized. The transaction is out of timeframe allowable by the XXXX to initiate a chargeback to the merchant to recover the funds. Please contact the merchant directly for further assistance. '' I have contacted the merchant quite a few times prior to performing the chargeback, and I have sent proof of this to Ally Bank. When I contacted their customer service department, all they could do is repeat what the letter says about the transaction being out of the timeframe allowable - but they could not tell me what that specific timeframe is. In fact, she told me to do a web search if I wanted to know. 

As Ally Bank does not care about their customers being scammed, I will no longer bank with them.

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 2023-08-15
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/2022, I spoke w/ XXXX from XXXX XXXX bill from debt Collector, Radius Global was paid at XXXX site in person. I sent proof of payment to XXXX per XXXX 's request. I sent a debt validation letter to Radius Global on XXXX XX/XX/2022 & they received the letter on XXXX XXXX giving them 30 days from receipt of letter to VALIDATE per CFPB, with specific documentation ; which they failed to do. They sent a VERIFICATION letter & copy of HEALTH INSURANCE CLAIM FORM which violates HIPPA b/c it has my diagnosis on the form without my signature. Also ignoring verification anything within the VALIDATION letter per Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692G SEC.809 ( b ) I've also contacted XXXX XXXX Privacy & Security Hotline regarding gross violation of my HIPPA Rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried to work on getting our FHA backed mortgage loan on track with Wells Fargo for the last six years and we can not figure out why they ignore us and refuse to help. We fell behind due to Hurricane Sandy and some financial issues. I gave Wells Fargo {$110000.00} to get caught up on my mortgage, but after they took my money, they advised that I owed them another {$41000.00} for escrow shortages and refused to bring our loan current. Also, since that time our loan has never been formally reviewed for mortgage options, even though I have complied with every request they made for documents, information and forms. 

There is also the issue of loan fraud that occurred when we refinanced our mortgage. Although we did not take out a penny from our equity, our mortgage loan balance increased over {$120000.00}!! We could never get them to explain why our loan increased and they basically stole the money from us. 

We can afford a reasonable mortgage payment, but Wells Fargo has just kicked the can down the road and now we have a sale date scheduled for XX/XX/2018. We have had a rotating series of single points of contact, but they never stick around long enough to finish the process and we have had to start over constantly. We feel that Wells Fargo is just a foreclosure machine and will take our home away and collect the money from the government since it is a secured loan. We make plenty of money to resume our mortgage payments and want to spend the rest of our lives in our home. Wells Fargo is a horrible and greedy company that has completely squashed us and our spirit. 

It should not take six years to get a formal review of mortgage for assistance options. Now Wells Fargo is basically telling us that there are no retention options available to keep us in our home. We need help to get them to do what is ethically the right thing to do instead of making us homeless.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2021-05-26
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Middle aged white man, come onto my property, taking pictures and looking around. 
Observed person on property ; Went to front door and asked " how can I help you? '' Middle aged, white man, in blue jeans and baseball hat asked, " from your mortgage company ''. " Who's your mortgage company? '' Person would not identify himself, and in response to my questioning, put a document on my porch and walked away, disgruntled ; saying he was from my mortgage company, but would not say the name of the mortgage company. Instead he questioned me " do you live here? '' " whats your mortgage company? ". 

I began recording on my cell phone and spoke to him further. I wished him health for working for a corporation trying to undermine homeownership. 

He responded with " XXXX XXXX XXXX ''. Repeatedly calling me " XXXX XXXX XXXX '' as he got in his car and drove away. 

Specialized Loan Servicing sent a representative to my house, who then used hate speech, for no apparent reason when confronted by me. 

Corporately supported racism and hate crime targeting a single, XXXX woman.

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