BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Beginning XX/XX/2021, I received strange packages I did not order from XXXX two days in a row. These packages weren't showing on my XXXX orders either. I called both days and they told me the second day it was a " brushing scam '' someone had used my cell phone XXXX to open a XXXX account and to keep the items, they would close that fake account. They sent me emails confirming this was unauthorized activity. I also noticed unauthorized charges on my Bank of America Visa dated/posted XX/XX/2021. 
I called Bank of America Visa XX/XX/2021, they cancelled the card ending in XXXX, issued a new Visa card, and credited these two charges. : {$73.00} on XX/XX/2021 {$97.00} on XX/XX/2021 However, on XX/XX/2021, Bank of America posted one of the fraudulent charges for {$73.00} back on my new visa. I called them immediately to contest this. They said it was confirmed merchandise was sent to my name and address and I received it. I did NOT authorize that purchase and I told them I had emails from XXXX confirming a fraudulent account was opened in my nameXXXX Bank of America  said mail them the emails with a letter to : Bank of AmericaXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX. I mailed the letter XX/XX/XXXX. I mailed a second letter dated XX/XX/XXXX. I never heard anything back. 

I called Bank of America the end of XXXX. They said they never got the letters or emails and I should go into the bank and have the bank fax the XXXX emails and copies of my letters. 
XX/XX/2021, XXXX XXXX, XXXX, Bank of America in XXXX, CT, faxed all XXXX emails stating an unauthorized party has registered an account with your XXXX  CARD ending in XXXX. To protect your information, we have closed this account and canceled any open orders. They said to wait seven days. 

Today XX/XX/2021, I received a letter dated XX/XX/2021, from Bank of America stating they re-evaluated the dispute but decided to decline the fraud claim for the transaction. They said " the merchant provided documentation confirming I received the merchandise ''. But I did not authorize use of my credit card, this merchandise was not ordered by me, it was an unauthorized fake account. 

My cardmember agreement with Bank of America says I am not responsible for unauthorized charges, but they won't honor the agreement. So I am filing a complaint with the Consumer Financial Protection Bureau for help. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 monetary relief
Consumer complaint received 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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/XXXX, I initiated a dispute regarding a product that arrived defective in the amount of {$37.00}. Bank of America issued a temporary resolution in my favor on XX/XX/XXXX of {$37.00}. On XX/XX/XXXX, the claim was reopened without any communication after Bank of America received a response from the merchant. On XX/XX/XXXX, I received an electronic communication requesting more information regarding my contact with the merchant. The requested information was due by XX/XX/XXXX. On the evening of XX/XX/XXXX, I submitted substantial ( 20 or more pages ) of documentation. On XX/XX/XXXX, without reviewing the information provided, Bank of America closed the case with and sent electronic communication stating that the case had been closed because of failure to respond and charged my card the amount of the original transaction ( more than the disputed amount ). We called Bank of America on XX/XX/XXXX to determine what had happened and were told that they had requested additional information for a XXXX review of the dispute and that they had, in fact, received the information we provided. On XX/XX/XXXX, Bank of America issued a correction to our statement refunding the difference between the original amount and the disputed amount. The week of XX/XX/XXXX, we were told that XXXX had resolved the claim in our favor and a refund would be provided within a week. On XX/XX/XXXX, we were told that XXXX never reviewed the claim and that the claim had been opened because the merchant responded, but that they ruled in his favor because we did not respond. Between XX/XX/XXXX and XX/XX/XXXX, we have had multiple phone calls. Bank of America is currently claiming that because their electronic system automatically closed out the claim and rebilled us for the amount that they had to reopen the claim and are reviewing it. We were told on XX/XX/XXXX that Bank of American would complete their review by noon on XX/XX/XXXX and to call before the end of the day because they would not be sending any electronic or written communication about the results. We called the afternoon of XX/XX/XXXX to be told that they had not yet completed the review and they did not know when completion would occur.

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 2023-11-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX keep showing up on my credit reports. I have sent numerous letters to have this removed from my credit and its still there. There are no liens or loans in my name with this company.

Company response to consumer: In progress
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give XXXX written permission to furnish these accounts : 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 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 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 2021-12-18
Company: SYNCHRONY FINANCIAL
State: NY
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 reviewed a copy of my credit report and SYNCBXXXX ran an unauthorized credit inquiry on me on XX/XX/. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact SYNCBXXXX and XXXX such occurrence.

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 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
This complaint is against Capital One bank holding company at XXXX Capital One  XXXX XXXX XXXX XXXX XXXX. 

Regarding a personal credit card. 
I used my credit card multiple times over a period of XXXX  months at a personal friend 's bar/restaurant. I spent a lot of money there, which subsequently was flagged as potential fraud because of the amounts. I called Capital One to let them know that I did make the charges, they were legitimate, and I should be charged the amount in question. I was told that there was nothing Capital One could do as the issues were now sent to a disputing company called XXXX XXXX XXXX in XXXX, XXXX. Phone number XXXX. Capital One told me that the restaurant would need to provide proof of charges and go from there. I was refunded XXXX to my Capital One card and have arranged payments to my friend. 

But here is where it starts to get XXXX, and I am now having issues. The restaurant owner/my friend says he is up to XXXX letters of dispute for a total of {$1100.00}. And we aren't sure if he is going to get more letters. That is a {$400.00} difference that I now seemingly owe two companies, as I was not refunded it by Capital One. When I call Capital One to ask what is going on, I am told to call the dispute company. When I call the dispute company, I am told they can not speak to me as I do not own the business this happened with. I have no issue paying back my friend/the restaurant, but I can not do so without proof that he was not paid for these transactions, as I've said I only received a refund for XXXX  amount XXXX what he has received stating more. I need a resolution to this. I feel at this point I am being robbed by Capital One. And they have been rude and blunt on the phone in telling me they can not give me information. 

I would also like to state that a rep at Capital One told the owner of the business that I must have disputed charges against him. I did not and they could not provide proof that I did. I don't understand how it is legal for a company to lie to a business, but it is unacceptable. Capital One should have a policy in place that if they think something has the potential to be fraud, they reach out to the customer and allow them a time period to agree that it is fraud or disagree that it is not fraud. This should never have happened. I am at the point where I am worried that I may need a lawyer. I would like to know what happened to the money that I am being charged for, if it was not given to the business. Why am I still responsible if it was never paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NV
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, XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, EQUIFAX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I do not feel I 've been getting fair opportunities to obtain a new loan modification to keep my home. Even the first modification in XX/XX/XXXX was questionable whether it was fair, my 3.75 % rate remain the same, even though rates were low in XXXX. And a list of following complaints and questions about my mortgage company : Why I am not able to apply my equity to my {$25000.00} plus loan deficit and put the loan in the rear and can get a new modification from my loan company? 
I had and have multiple reduce of incomes over the last two years. 
Previous modification in XXXX was not reduced enough to support my income. My 3.75 % interest remain the same, although rates were down considerably during XX/XX/XXXX. 
I am asking for an investigation of the last mitigation from my loan company whether I was within the 31 % of my income bracket. 
What about being able to get a Tier 2 in house modification? 
I had several hardships in the last two years, but I feel they are overlooked and have not been considered viable to getting a loan modification. 
I am requesting a copy of my loan company DEED, to see if my title was accepted and delivered to my loan company from my original mortgage company, to show if my current loan company has legally obtained my deed. 
I am requesting an investigation into whether my equity in my home has been used by my current loan company during my several requests for trying to negotiate ways to keep my home ... however, my equity has not been used to pay off my {$25.00}, 000 loan deficits. Why??????? 
Whether my income was low or high, the I never was within the 31 % bracket to obtain a new modification, Why???? 
Who are my loan company lawyers that are calling asking for personal information, but do not say who they are and who they represent? Who are the lawyers putting foreclosure information on my door, but do not say who they represent? Are they my loan company lawyers? 
I am investigating whether my loan company is legally my loan company that I been paying since XXXX? Was my deed and title transferred through acceptance and delivery? Or was this another " robo copy '' transfer? '' I am submitting a new Mortgage assistance application on XXXX, hoping my loan company will negotiate another modification, if my loan company is my legal mortgage loan company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Financial Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, XXXX XXXX had a open vendetta against me and my roommate. I contacted the rental office XX/XX/XXXX, I moved out onXXXX and turned key 's in. The secretary said that she could not find a key sheet. I was with three people. She has fined me numerous times after having a small meeting and making agreements. I paid all the fines. I was unable to locate Ms. XXXX, it appeared we were being avoided. Me and two other people were there when I turned the key 's in because of the problems the rental office was having with being negative to me and other residents.. I took pictures of everything and how I left the apartment. I received and bill for this situation in XXXX. I contacted the rental office, they continue to dodge me. I saw her and I showed my pictures and told her there must be a mistake. She showed me pictures and said that was not my apartment. I had 3 people witness this. She will not accept proof. I did not own that stuff, and I had over 4 people with me during the process. I speaking XXXX XXXX, she was the debt collector for the case. I disputed the collections and showed them the pictures. She contacted me back told me that the rental office was not going to accept, they had there own pictures. That is not my apartment nor my belonging I had numerous people with me at the time I took the pictures as I was moving out. I sent pictures more than once. They refuse to accept my proof of the fact that is not my apartment in the pictures. I have shown pictures of problems with is apartment. They would not fix it or painted over top of the problem. I stayed on communication with them to the point I had no other recourse. I have to pay something because of a landlord who dis like me. They are making hard inquiry 's on my credit report causing problems, I can not moving in to anywhere because this marking on my credit. 

Account XXXX XXXX Move in XX/XX/XXXX - Move out XX/XX/XXXX. 
XXXX XXXX XXXX XXXX FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( toll free ) XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, Phone # not available. Office have multiple changes often.

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 2022-04-26
Company: Adler Wallach & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
AWA placed an acct on my credit prior to notifying me. Nothing was sent to my correct address. I found out due it being placed on my cbr. I called in to make payments. Ive been told I have no payments set up. But they debit it from my acct on the XXXX and my balance has decreased. I have now asked them to stop touching my card. 

I called in last Thursday XX/XX/XXXX and spoke with XXXX, in an attempt to settle my debt and have it deleted ( when it shouldnt be reported to begin with ) who immediately stated the mini XXXX and gave me all of the acct info without even confirming he was speaking with the correct party. He said my phone number pulled it up and thats all he needed. No. He needs to verify before releasing someones sensitive information. 

I ask for someone else. He tells me there is no one else. That he is the highest Ill get on the phone. I tell him that I will get someone else and I will file a complaint, his words, BET! 

I call in today XX/XX/XXXX XXXX answers. He tells me hes the only manager thats there. Again, refuses to allow me to speak with someone else. I try to get another manager by calling in private ( sad I have to do that ). I get someone who claims to be in management. Then later tells me shes going to get me a manager. 

I get a higher up ( at this point, Im not even sure who is who, they all claim to be a manager ) who tells me he will not review the call with XXXX and it doesnt matter how I was spoken to and if the FDCPA was violated because I owe a debt. 

I have worked for a collection agency since XXXX and I am very well aware that this is not how a third party collector is supposed to handle someones acct and personal information. 

They sent the initial NOD to an old address. Not once have I received one at my address. Again I found out about this bc they placed on my credit report outside of the reporting regulations. 

I need help to get this taken care of. I do not deserve to be spoken to trash. I do not deserve to have my credit hit without being given the opportunity to resolve it. Now I cant even get anywhere with the company to resolve this. This is unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX 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 FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-03-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, 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 has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks

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 2023-12-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting 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:
Equifax confirmed a data breach from XXXX. I just type a lot, got deleted before I can send it. I never lived in XXXX OH at XXXX XXXX XXXX XXXX, remove utilities for {$370.00} ending XXXX, remove XXXX XXXX  for {$200.00} # XXXX cable or cellular, remove XXXX XXXX {$500.00} # XXXX, remove XXXX XXXX  XXXX for XXXX {$270.00}, remove XXXX inquiries in XXXX month XX/XX/2023, please.

Company response to consumer: In progress