BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-23
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to transfer the money in my account to another bank that is linked online. I get this message everytime. 

For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. 

When I call the number the automated voice tells me there is no bank linked and that is it. There is no way for me to resolve this " security reason '' and I need that money 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 2024-01-24
Company: Arbor Professional Solutions, Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
There is a company contacting inaccurate information on my credit report. XXXX is the only credit reporting agency reporting this incorrect information and when I contacted XXXX they told me to contact the furnisher. I have now contacted XXXX and the Furnisher, and the furnisher has not responded in the required time which is 30 days. Thats a violation along with them reporting this inaccurate information. My attorney had me notify them of these violations and we requested proof of this incorrect information and they have not responded, We also sent them an affidavit because our next step will be a lawsuit if this is not removed along with our documentation of the law that states they have 30 days to respond which they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Formal Complaint Regarding Unfair Practices and Late Payments on Credit Report Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Dates reporting LATE PAYMENT XX/XX/XXXX., XX/XX/XXXX I am writing to file a formal complaint against Bank of America regarding what I believe to be unfair and questionable practices that have negatively impacted my credit report. 

Recently, I discovered XXXX late payments on my credit report related to a credit card with Bank of America. This situation arose due to the imposition of an annual fee without proper notification, leading to unexpected charges and subsequent late payments. It is important to note that I have a credit card with Bank of America that I rarely use and has never incurred any fees in the past. 

This is the XXXX  time such an incident has occurred, and I find it deeply concerning that Bank of America implemented a yearly fee without providing me with adequate notice. This lack of transparency and failure to inform me of changes to my account resulted in unexpected charges and, subsequently, late payments being reported on my credit history. 

I believe this practice is not only unfair but also raises questions about the ethical standards employed by Bank of America. I am seeking your assistance in holding them accountable for their actions and rectifying the negative impact on my credit report. 

I kindly request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are protected from such unjust practices. Your intervention is crucial to maintaining fairness and transparency in the financial industry.

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 2024-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached and explain

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 2024-02-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
I C SYSTEM INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by I C SYSTEM INC. Please be advised that providing a memorandum or other statement from your agency, stating that I C SYSTEM INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

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 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I moved from XXXX to XXXX and attempted to title and register my car in XXXX. XXXX DMV asked me for title. I reached out to BOA for assistance, but they did not take any action.

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 2024-02-01
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/, I requested a wire transfer of {$75000.00} from my Wells Fargo account to a foreign account with a XXXX XXXX address. I am requesting that Wells Fargo deposit the this amount back into my account. 

I was led to believe that this account was legitimate, but I later learned that is was a scam. I have a copy of the wire transfer document. I have since learned that in fraudulent wire transfers, the party most Courts rule that the party in the best position to discover the fraud should bear the loss. Clearly, Wells Fargo is better equipped to identify fraud. 

XXXX attorney 's opinion You are right about the bank saying that this is their policy on all wire transfers. So it means that for your case they behaved exactly as they do with all the other cases - just formally, nothing else. And in XXXX out of XXXX transfers ( approximately of course ) it is a good legitimate transfer. So they don`t bother to do a detailed check. But your case was namely that XXXX transfer that they could stop and prevent you from losing your money. 
It wouldn`t take a long time for them. Just about XXXX minutes to understand this is a scam. If they didn`t speak to you if they didn`t ask you any detailed questions if they didn`t tell you something like " sir, we are sure that this is a scamming scheme, this company has no license, their website is only 3 months old, scam advisor rate is lower than 10 %, we definitely not recommend you to send them money '' then they didn`t do their job 100 %, and there are good chances to point them on their mistakes and get you compensation.

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 2023-12-05
Company: Nelnet, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've contacted XXXX and filed multiple disputes with the same to have the information contained on my credit report to be corrected and updated to reflect the current status of the accounts in error. Each time I receive the same reply, stating the information has been verified. Obviously the information has not been verified through verbal communication. The accounts in question were last updated on XX/XX/2023. I've been in contact with the Dept. of Ed/Nelnet. In my conversation with a representative they have verified that the information reporting on my credit report is not correct ; nonetheless, they were unable to provide me with a resolution to correcting the reporting problem other than filing a complaint. The recent balances that are reporting on my credit report should show that the referenced accounts and associated balances have been Transferred and closed over 120 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As an American Express card holder in good standing for over 25 years, I am highly disapointed in thier lack of action, follow through and resolution to a extreemely minor issue which has now evolved into a situation of significance. 

The significance now is that due to AMEX not removing a {$29.00} late fee as agreed and promissed in XXXX, has now compounded to {$140.00} as of this date. 

Due to AMEX not resolving this minior issue as agreed, my credit score has droped from XXXX +/- to around XXXX. 

I HAD XXXX accounts with Credit limits of {$31000.00} and {$250000.00} respectivly. I have closed BOTH accounts as a result of a " {$29.00} ( XXXX ) Late Fee '' which was promissed to be waived when I first contacted AMEX. 


ONLY XXXX charges had been made on the account in 2023 ( {$63.00} US Postal Service & XXXX XXXX XXXX XXXX XXXX. AMEX Account representitive on XXXX different resolution calls that I placed told me to make payments of {$63.00} and {$59.00} which I made promptly on XX/XX/2023 and XX/XX/2023. WHY would I have made these payment of these specfic amounts if i WASNT instructed to due so by the AMEX representitives on XXXX differnt occassions to XXXX out and close the account? 

I have made 6 or 7 calls to AMEX, wasted hours of my time and spoken to different representitives each time only to get passed off to another without resolution. These representitives promiss follow up calls, wont provide call back numbers or case numbers and then just hope that you go away. 

I have been more than polite and tolerant. My last communcation on XX/XX/XXXX was promissed to be resolved by XX/XX/XXXX has prompted this request of the CFPB to become involved. I did indicate to the AMEX representitive that this would be my next step on that call. I have provided several ways for AMEX to reach out to me via my office and cell phone numbers with no promissed resolution from AMEX. 

Thanks in advance for your assistence. This is a matter of principle to me to have this resolved by AMEX as they have previously agreeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am writing to address a severe issue of identity theft that has recently come to my attention. An account ending in XXXX, linked to Amazon XXXX Credit Card, was opened using my personal information without my consent. I unequivocally state that I did not authorize the opening of this account. This letter serves as a formal demand for immediate action. 

Details of the Fraudulent Account : Account Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Outstanding Amount : {$1500.00} Assigned to Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX . 
Phone : ( XXXX ) XXXX Purchase Date on Account : XX/XX/XXXX My SSN ( Last Four Digits ) : XXXX Given the information above, it is evident that this account is a result of fraudulent activity. Therefore, I insist that Chase Bank immediately close this account, absolve me of all associated charges, and expunge all information regarding this account from my credit files, credit history with XXXX and credit reporting agencies.. 

Enclosed is my Identity Theft Report [ FTC Report Number : XXXX ], substantiating the illicit use of my identity. Additionally, this letter, along with the Identity Theft Report, serves as a formal notification under the Fair Credit Reporting Act, mandating Chase Bank and the associated collection agency to cease reporting and furnishing information resulting from this identity theft to any credit reporting agency. 

Also enclosed is the CFPBs Notice to Furnishers of Information, outlining your legal responsibilities in this situation. I expect a comprehensive investigation into this matter and prompt corrective actions. Please inform me in writing about the steps you have taken to resolve this issue. 

In addition to the actions requested above, I require a written confirmation from Chase Bank stating that : The fraudulent account is not mine. 
I am not liable for any debts or charges associated with this account. 
The account has been removed from my credit report. 

In addition to this complaint, I have mailed out a letter with enclosures via certified mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: AL
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 have filed mutiple complaints against Equifax for refusing to report my XXXX XXXX account number XXXX on my credit report even after requesting the information from XXXX XXXX and XXXX  sent the documents Equifax still refuse to add the documents are attached and Equifax refuse to respond to XXXX XXXX documents also attached Equifax only response to me is that the account is not on my credit report i understand that thats why XXXX  contacted Equifax and was told what to provide and they would report it but Equifax still refuse the following complaints have been filed Date. Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the documents that Equifax stated they would add the XXXX XXXX account XXXX to my credit report when XXXX sent is also attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-24
Company: EQUIFAX, INC.
State: GA
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 writing to formally report retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in response to my initial complaint filed against them. It appears that they have manipulated my credit collection balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not. I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
bank of america and XXXX  wont letme open a bank 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 2023-11-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Date of purchase of this vehicle was XX/XX/XXXX from XXXX. Wells Fargo was the lending of the car loan. I filed bankruptcy on XX/XX/XXXX. In that bankruptcy I reaffirmed my vehicle to continue to keep the vehicle and continue payments until the vehicle was paid off. Well Fargo Dealer Services National Bankruptcy Division mailed out a letter of acknowledgement confirming the reaffirmation request and accepting the terms of the initial agreement. Under acct XXXX my vehicle was paid off on XX/XX/XXXX. After pulling my credit Wells Fargo has failed at reporting 5 years of credit history involving my vehicle. After speaking with XXXX XXXX and XXXX the escalation rep at Wells Fargo. I was advised that due to a system error and failure to appropriately flag my acct for bankruptcy my credit history was removed and can't be reinserted to all credit bureaus. I was told that due to remediation there's NOTHING they can do. This is unacceptable and a complete injustice to me as a consumer having paid off my vehicle under contract terms and not have it reported properly. I have a right a consumer to know what system error caused Wells Fargo to remove all history of my payments to all credit bureaus. I should also have the right as a consumer to request this to be reinserted without any push back from Wells Fargo. This has impacted my credit negatively and I'm looking to have this resolved and reinserted expeditiously reported to all 4 credit bureaus. I'm also requesting an explanation of this system error. I have spoken with 7 different people at the Office of Presidents as well as the bankruptcy division asking how to file a complaint of resolution. They credit bureaus are refusing to file a dispute that doesnt appear on my credit. I understand that this can be done by the credit bureaus if a company is refusing to reinsert my credit history. I'm asking that Wells Fargo report this to the credit bureaus or if that fails for the credit bureaus to open an dispute on my behalf regarding this information not being reported and to have the 5 years of missing credit history to be reported and visible on my credit report so that my score can be increased. Thank you.

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 2024-01-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/23 I opened a claim with Truist against XXXX XXXX XXXX for unlawful repossession of my vehicle in the amount of {$6000.00}. After thoroughly explained and submitted proper documentations to Truist regarding the act committed by XXXX XXXX XXXX was surely unlawful, Truist refuses to take action and therefore continued to deny the claim and offered no resolution or assistance. After all, I did not received the service as intended from XXXX XXXX XXXX, since my vehicle was unlawfully taken away outside of a delinquent payment. Therefore, by Florida laws, and statues and I'm eligible to dispute the transactions as service not rendered.

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