BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX XXXX XXXX spoke to a rep as the executor of my fathers estate, he has a roth ira and a CD at USbank. 
XX/XX/XXXX got a copy and paste condolence response and a rep in charge of the case. 
6 calls and many emails later, still no responses. 
Sent a copy of the death cert and letters of admin, no confirmation 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: OH
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:
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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2016 Balance {$35000.00}

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 2023-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America closed my account and restricted my access after I made a deposit I never got the funds but it was credited to my account but I definitely have received got a refund check or anything so where is my funds also miscellaneous fee was charged to my account struggling to get a bank account after this happened for some time now

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 2023-04-13
Company: Experian Information Solutions Inc.
State: VA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$3800.00}

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 2023-04-13
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: Account information incorrect

Complaint:
I recently did an investigation on my credit report which has caused confusion, stress and the misuse of my credit file, finding multiple inaccurate, unverified and questionable items that the bureaus show not to have 100 % correct. 

Account Name : XXXX XXXX Account Number : XXXX The first inaccuracy I noticed, when I went into my local XXXX XXXX branch located in XXXX XXXX, I was given the paid off balance receipt of {$1400.00} due to making the first initial payment. However, the reporting balance amount on my credit report shows to be {$1500.00}, whereas the starting balance before my first payment was made of the loan was {$1500.00}? Are collection companies supposed to tack on additional fees? 

The second inaccuracy, when I pulled together my Experian, XXXX and my Fico regarding the XXXX XXXX account, I quickly noticed different months of receiving payment. Isnt my personal credit file that verily impacts my life, supposed to show accurate information? I have felt unheard and overwhelmed with credit bureaus not making sure everything is verified correctly before throwing any collections onto my credit file. The decisions of the credit bureaus, takes a huge impact on my financial future, therefore needing to make sure collections are verified and correct with everyone involved. Please take care of this matter promptly with a deletion due to inaccuracy and incorrect information that violates the FCRA law. Thank you for your time.

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 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi. 
Chase placed a hold on a check that I tried to deposit. They are saying they cant verify the phone number for the other payee. we have contact XXXX XXXX XXXX to get them to confirm that it was the correct name on the account. XXXX XXXX XXXX confirmed that there is nothing else to be done on their end. HOwever Chase bank is still saying they cant verify phone number on their database. More so, they wont allow any other way to verify funds. Even after I suggested going into the bank with my ID, Chase said No. 

Lastly Chase wont even release my other funds thst they have verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
First Citizens Bank opened a business checking and personal checking account about a month ago. Today I received a letter saying that due to some XXXX inquiries ( which are not fraudulent ) I received in order to refinance my business credit card debt at a time of need from rising interest rates that I had all of my account closed. This has completely blindsided me and it goes against community banking of XXXX XXXX XXXX XXXX in traditionally disenfranchised neighborhoods like XXXX XXXX XXXX. I received a call from the branch manager XXXX XXXX XXXX XXXX XXXX telling me there is absolutely no way to reverse the decision and that I was simply out of luck. Considering that taxpayers just financed the sale of XXXX XXXX XXXX to this multi-billion dollar bank, there should be some consideration and reciprocity for people like me who are struggling to stay afloat. I have never been late, sent to collections, or filed for bankruptcy so this decision has nothing to do with creditworthiness. If paperwork were necessary to undo this action I would have provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I used a Wells Fargo ATM and made a deposit of {$2100.00} bringing my account balance to {$2500.00}. I received a receipt and what I assumed was my debit card and placed it in my wallet. 

On XX/XX/2023 I called the bank to check the balance on my card and realized that I had a negative balance of {$640.00} on my account. Soon after, I looked in my wallet and realized that the debit card that was returned to me by the Wells Fargo ATM on XX/XX/2023 was not my card, nor did it have my name or card number on it. 

On XX/XX/2023 I spoke to a Wells Fargo representative and she mentioned that on XX/XX/2023 in a Wells Fargo ATM, four different withdrawals had been made. The first of {$2000.00}, second of {$500.00}, third of {$600.00}, and fourth of {$50.00}. I mentioned that I did not make those withdrawals and that the machine did not give me the correct card back. The representative opened a fraud case regarding this issue and told me to wait 10 business days for the investigation. 

On XX/XX/2023 I logged in to my email and there I realized that seven other attempts were made on XX/XX/XXXX in other Wells Fargo and XXXX XXXX XXXX 

I called the bank to give them this information and there a representative mentioned that they had already done a less than 24 hour investigation and they are now closing the case. They mentioned that I must have taken out the money myself and that now on the other hand, owe them {$640.00}. They also told me to just throw away the card that was given to me by their ATM. 

Aside from speaking to the bank, both on the phone and in person on XX/XX/2023 I also went to the police station and made a police report regarding this issue. There the police officer kept the card that I received from the Wells Fargo ATM as evidence and helped me document everything mentioned above. I handed to him a copy of all my recent transactions as evidence as well. 


Wells Fargo does not want to help me, they closed the case and can not explain to me how my money was taken from my account or why their ATM gave me a card that was not mine. I believe a proper investigation has not been made to see if the machine was tampered with in order for me to receive a card that was not mine. Or a proper investigation has not been made in order to see who is the person who took out the money from my account. 

Please help me, I am now retired and that was all the money I had. My retirement check will be coming in soon and it will soon go to pay for the money that was stolen from me and the overdraft fees that Wells Fargo is now charging me as well. 

I needed the money I deposited to pay for my insurance and tax payment and now those charges have been declined by Wells Fargo and now I also have to pay interest with them as well.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : 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 2023-04-13
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dates including All Transactions Being Sent Unauthorized From XXXX XXXX up until XX/XX/2023 Debit Cards linked and Money Being sent out of my account without consent of authorization and my account need the Balance Adjusted back To date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: CA
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 had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Chase account was closed on XX/XX/, and I called them, they said they could give me my money back within 10 days. But I still have not received my money. My statements show my money is withdrawn by the Fraud Team and is under review. I did nothing related to fraud so why did it take such a long time to review my money and not return back to me? The amount of money is around XXXX. Now I have no money to pay bill, rent and tuition fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: OH
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 decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDU/XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.

Company response to consumer: In progress
Consumer complaint received 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Early Warning Services, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I, stupidly tried to purchase XXXX XXXX tickets on a website I know, XXXX XXXX XXXX today XX/XX/23 at XXXX XXXX  CST. The woman selling them had a XXXX age. ( do not know now if real or fake ). Said she needed by XXXX XXXX info to transfer the tickets. My daughter has it so I provided it. Then she said where to send the money by Zelle, which I did. Five minutes after making the transaction several email messages popped up saying this person was a fraud/scam. I went and tried to pull money back AND called XXXX to help me and they were USELSS. I locked my debit card. I have the name of the individual /email I sent $ $ to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I had a dispute with one of my gift cards, XXXX refunded me {$500.00}, after 3 months of investigation, incomm emailed me that a replacement could be made for me, and sent a new card to my previous address, but I Ask them to change my billing address, but I have not received a reply, so I filed a complaint with CFPB I hope they can contact me, and then I received a reply from them, asked me to provide proof of my new address, I submitted my The bank card statement, but they are not replying to me again, I called the customer service representative on XX/XX/XXXX to apply to change my address, the customer service representative helped me, and I received new card on XX/XX/XXXX with the ending number XXXX. I got a replacement card but I can't use it, I contacted customer service and they told me they couldn't activate my card, I've been emailing them, calling them to no avail, I didn't receive a valid replacement card, My case has been finalized and I have submitted proof of my address and proof that I will be able to receive a valid replacement card, but instead they send me a card that doesn't work, I hope they can deal with my issue asap, email me as soon as possible my case number is : XXXX, and old address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX my original card XXXX my new card number is : XXXX my new address is : XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX, but the replacement card is not work. 
XXXX help me solve this trouble, I wait so long time and I hope Incomm 's investigation team can have a person in charge contact me through my email and deal with my problem, and I can send my certificate to prove that I did not receive a valid new card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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