BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I left the Meatpacking district in new york in what I thought was a cab at approximately XXXX. I was dropped off at home around XXXX. The next morning I could not find my debit card. I had paid in the cab with my pin and was inebriated so I did not notice the driver not return my debit card The next morning around XXXX I noticed 9 ATM charges in my bank account to roughly XXXX. I went to the nearest bank of America Financial Center after shutting off my card. I worked with the professional there ( " Junior '' ) and left at approximately XXXX XXXX, At XXXX EST I received an email with a receipt to XXXX XXXX # XXXX in my email for {$2900.00}, they had unlocked my card after I had locked it that morning. I then called back and begged them to put a hold on the account ( again ). They had gotten into my account and reset the passcode. I had to create a completely new online account. 

The next morning ( XX/XX/2020 ) I put a hold on the account and transferred my funds and issued a the complain, I received mail from Bank of America that my card had been suspended due to " unusual activity '' of which I was keenly aware. 

Over the next few weeks, I went back and forth with BofA and the Security and Fraud people were sure I would be reimbursed. The BofA finance person had accidentally transferred TOO much money into my account and I returned it as a show of good faith. 

I received a Claim Closed email with ZERO explanation. I have {$4200.00} cents that I have lost through this ordeal. ( XXXX from theft, and XXXX from ATM fees ... ) I have filed a police report, and have called but BofA has no means of reopening the case. 

Please. this was a LOT of money that I had stolen. ( NOTE : the XXXX XXXX receipt automatically sends from that card since that card is tied to my XXXX XXXX account ) If you check with BofA, you can see they sent me an unusual activity account, as well as the close to DOZEN more attempts at using the card after I had reported it stolen. 

Also note, I lose my phone at the same time, hence why I physically went to the financial center. While there I withdrew XXXX dollars, which you will see, using my passport and ID and answering security questions.

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 2023-01-26
Company: Bread Financial Holdings, Inc.
State: OH
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXXXXXX accidentally overcharged my BJ 's Mastercard {$80.00} instead of the agreed rate of {$20.00}. They apologized and issued a credit of {$60.00} on XX/XX/XXXX at XXXX XXXX The reference # for the credit is XXXX. 
The credit never appeared on my Mastercard so I filed a dispute with Comenity Bank ( Bread Financial ) who is the issuer of the BJ 's Mastercard. Comenity did not apply a temporary credit until the dispute is resolved as they had promised. Now they are saying that they have closed the dispute since 60 Days have passed. I do not want the XXXX XXXX XXXX to be charged a charge back fee when they have already provided Comenity Bank proof of the credit that they applied to my Mastercard. Each time I call Comenity Bank ; they will not let me speak to a supervisor. They tell me that the credit will appear on my Mastercard account in 7 - 10 business days but it never appears. I am very concerned because BJ 's XXXX XXXX is fed up with Comenity Bank and is switching to XXXX  XXXX on XX/XX/XXXX. I am living off of a very small Social Security benefit and can not afford to lose {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo has been negligent with my account on many occasions. The customer service has gone from bad, to the worst that I have experienced in my lifetime. Unauthorized services, un justified fees, excessive charges, and their personal bankers handle situations with a lack of empathy, and knowledge on banking issues.

I keep getting charges for overdraft services when I did not sign up. Wells Fargo took all my money this XXXX in overdraft fees. 

This is one example. I deposited money into my account a XXXX dollar car payment was drafted, which left my account with a XXXX! cent balance. So Wells Fargo is still charging me {$35.00} dollars. According to their bankers, Wells Fargo made no error and since I have been refunded for bank errors before. My account will not receive any more refunds. So Wells Fargo will continue to charge me unjustified 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 2020-01-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 synchrony bank deliberately committed fraud sending me l letter saying my credit score was XXXX and approved me for a card at 24.49 % I believe this is a predatory lending practice based on my race and not even acknowledging my real credit score of XXXX the lowest of all three credit reporting agencies

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2021-10-12
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:
XXXX XXXX XXXX, fraudulently placed an invalidated debt collection on my credit reports. I have demanded that XXXX XXXX XXXX ( XXXX ) remove the debt unless they are able to provide me with full documentation per my instructions to validate the alleged debt as is my legal right under the Fair Credit Reporting Act. 

Furthermore, I disputed the odious debt with Experian directly and they delivered less than satisfactory results i.e. Experian did not acknowledge my legal right or debt validation rather Experian claimed that the debt had been verified. However, as XXXX never sent my any written notification of the alleged debt, instead committed fraud by placing the alleged debt directly onto my credit reports, the alleged debt has never been verified nor validated by me!

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 2023-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Citizens Bank on multiple occasions was presented at area banks with checks stolen from the USPS ( my checks ), those checks had been altered - new payee and new amount. Banks flagged the checks. 
Those bank branches refused to notify law enforcement, refused to work with law enforcement, and refused to provide me ( the victim ) with any information in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Citizens Bank ( local branch address, I do not have the corporate HQ address ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several online disputes have been sent to Transunion and XXXX   directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both Transunion and XXXX  have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both XXXX  and TransUnion reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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

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 2023-09-22
Company: EQUIFAX, INC.
State: SC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: VA
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is the second complaint filed with CFPB in order to receive accurate recount of my loan status for the XXXX XXXX XXXX XXXX. Employer verification forms have been submitted, the latest forms uploaded on XX/XX/XXXX and XX/XX/XXXX. I am aware that FedLoans will no longer be servicing student loans and the program is restructuring. Unable to receive information over the phone. There are XXXX loans which still do not show qualifying payments, and I am curious if this will change with the new loan waiver ( XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ). I have gone through multiple loan servicers since graduating medical school in XXXX. Some loans were put on administrative holds or forbearance during the times the loan servicers changed - I want to know if the waiver changes my qualifying payments moving forward and why each loan has different qualifying amounts when all were paid equally since starting residency program in XXXX. Knowing the waiver is only in effect this year, I desire clarity over my loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
HI I sent a international wire transfer of {$10000.00} from wells fargo i paid {$30.00} as a contract service for wells fargo to send the money into euros. After a month of hearing nothing i recieved a credit of {$9200.00}!! I then recieved a letter saying " due to extraordinary circumstances although the wire transfer was sent correctly without error but had to be returned '' They said due to currency fluctuation and charges i received charges and costs of {$730.00}!!!!! I called straight away and demanded a full refund and explanation. 

The next letter i recieved said missing account information!!!!! So i emailed and called continually asking what specific account information is missing?? They declined to answer stating they dont know. I have wasted hours of my life debating and trying to hget my money back i paid for a service that wells fargo did not complete i want them to specifcally say what account information is missing. This would contradict there letter stating that all info was correct and wire sent succsesfully. This means wells fargo have not asked for all the information needed to make a succesful wire transfer as all online forms were complete and correct. I need to send multiple transfers to the same bank account what happens on the next wire transfer.I will not let this go Wells fargo should know what missing account details were missing its a online system that was correct you can not procedd if not correct and wells fargo admitted in writing it was correct so why change the story on the second letter. This incriminates them also as if wells fargo as the big financial institution they are did not request all the info then there service failed a paid service a contract i entered when buying there service of {$30.00} to transfer money. I am demmanding a exact explanation the description of the exact info missing as all was sent there is something really suspicious about this and i will not rest. Also food for thought if the currency exchange went in my favour are they saying they would of returned {$10000.00} if the fluxation went in my favour. Casing point if i transfer more money tommorow with all the correct details this transfer has been made many times before what will happen

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 2020-09-24
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX  out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are  ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation