BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I initiated " a direct deposit funds transfer to checking/savings '' for the amount of {$4900.00} from my Bank of America Prepaid Online account to my Bank of America checking account ( not prepaid ). After I confirmed the transfer the money was immediately taken out of my account, I never received the transfer to my bank of America checking account. I didn't notice immediately, the first time I submitted a claim was XX/XX/XXXX. It's an ACH transfer and submitting the claim was different compared to disputing a debit card purchase, I was first told to wait a week or two ; but the claim was open for over six months before they denied it for the first time. Throughout those six months I called once a week and spoke with a new agent, and specialist every time. ( One of them told me I was definitely going to get my money back because this was an obvious glitch in their system ) after about a year I let it go. End of XXXX they start sending me emails to submit a claim once a month, I believe I submitted one or two claims in the year of XXXX. XX/XX/XXXX I received an email saying they denied my claim, but I never reopened it to be denied. I received letters by mail saying the same thing, so I call them and reopen the claim, this time I send them bank statements showing I never received the deposit in the destination account. ( I used this account multiple times after to do the same type of transaction and NEVER had a problem ) They still denied my claim. They will not give me a reason why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
State: CA
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:
I've been a customer with Wells Fargo since XXXX. I previously reached out to them in XX/XX/XXXX to be part of the previous class action settlement. 

In part, this was my message to them : " Unfortunately I have never been one to be in tune with the news and had previously overlooked this settlement. It was not until recently that a peer pointed this out to me and I believe I fit the criteria of a settlement class member for several reasons. 

For one, I was nudged to take on services with my accounts in the mid XXXX that have since been exposed as services I should not have paid for. Regarding my checking account, I was paying XXXX XXXX monthly for an 'Identity Theft Protection ' service. Regarding my credit card, I had taken on a XXXX XXXX ' service with monthly charges depending on my outstanding balance. Because my outstanding balance was particularly high at this time, I recall being charged hundreds of dollars a month for this service for awhile. 

In addition, some years back I used to go to the XXXX XXXX XXXX in XXXX, CA fairly often. On XXXX particular visit when I went to the counter to make a withdrawal, the teller for some odd reason told me I was due to make a new account. I recall standing there for about XXXX minutes as he closed my original checking and savings accounts, only to give me new checking and savings accounts that pretty much mirrored the original ones. I didn't think much of this at that moment other than it being a waste of my time, but in XXXX, it appears the teller was creating a new account for me to meet a quota for himself. 

Though these experiences would XXXX XXXX most customers away, I would like to describe myself as someone who is very loyal, especially with an organization that I've been with and trusted since high school. I would like this relationship to continue for years to come, but I believe that Wells Fargo will need to do right by me by paying back funds that I never should have paid in the first place. '' In response to this inquiry, Wells Fargo said I was too late to be part of the settlement. Now that this had been revisited in XX/XX/XXXX with a new settlement, I'd like to ensure that I'm part of it.

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 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Last time, I did file a complaint and I did receive a replacement card. I used it to buy another card but AMEX gift card. It worked until I did try XXXX and XXXX. Here although I did use it previously at XXXX, this time, the same card was denied. It was also denied at XXXX then it worked at XXXX. As you will read if I don't use XXXX, ... I may not have opportunity to use my remaining balance. Who to blame I don't know? they say new security system does not allow them to proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: OH
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:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have XXXX different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2023 I submitted a identity theft report, with a dispute letter and with my ID/ ssn card for verification for Transunion XXXX block the inquiries that are remaining on my report due to identity theft. They have decided not to comply with my request which is a violation under 15 USC 1681 c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX, has violated my rights. 

These accounts are showing under negative items charged off as bad debt as the following and should be removed : You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report.

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have received XXXX mail notifications that I owe a bill for my loans to Aidvantage on XX/XX/XXXX. The XXXX administration extended the pause until XXXX, XXXX, so why is my lender lying to me? In addition, I was in deferment during graduate school and I just graduated in XX/XX/XXXX, and Im supposed to be given a XXXX  month grace period regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2021 I was having XXXX XXXX with a XXXX  related XXXX and had problem making payments due to being out of work. synchrony bank offered a reduced amount that I couldnt afford. In return I asked for a reduced amount but paid in a monthly payment plan, to which the bank agreed. They wrote off the debt, closed my account and my access to it, and collected two months of payment. Then the bank stopped collecting my payments and wanted the charge off debt paid in full, not taking account of the payments Ive made. After reporting to XXXX, their claim was that my payments did not meet their original offer to which I never had agreed to. Every time Ive asked to have emailed or mailed copies of all the documents associated to my account and agreements Ive made, the bank refused. Ive called and emailed and still received nothing. Now after couple of years, they sold the debt to a collection agency, even though my debt has been wiped off my credit report and they never contacted me after my complaint to XXXX. So now I cant get any documents from the bank and they refuse to communicate with 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 explanation
Consumer complaint received 2024-01-11
Company: LJ Ross Associates
State: CT
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
The company, XXXX and XXXX XXXX has negative accounts on my XXXX account. I have disputed this multiple times I have spoke to XXXX and I have reached out to XXXX XXXX XXXX, and I was told that there is no count found in my name or with my Social Security number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were done fraudulently without authorization and consent. Please Remove 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 non-monetary relief
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-06-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize the following unauthorized inquiries : XXXX ( XX/XX/XXXX & XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 explanation
Consumer complaint received 2022-12-26
Company: JPMORGAN CHASE & CO.
State: CA
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 called Chase asked to put account in billing error for {$13000.00}. According to 12 CFR 1026.13 I should not see any adverse reaction such as requesting a payment while a billing error dispute is active, adverse credit reporting, acceleration of debt, and restriction of account in any form. If any of these actions or any action according to 12 CFR 1026.13 happen I will sue in Federal Court, reported to the SEC for securities fraud, and report to all administrative enforcement under 15 U.S. Code 1607. I wrote them a letter on the 12/15/22 about putting my account in a billing error. Chase cancel my credit card for putting in a billing error. They're breaking the law of 12 CFR 1026.13. I should not have seen any adverse action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
All inquired about the report are in violation!!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed 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 2022-12-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX 2023 Experian allowed XXXX XXXX to fraudulently report a {$130.00} account on my credit profile that shouldnt be there. Ive asked for validation of the account and it was never provided however the account is still there affecting my credit and my ability to secure a mortgage.

Company response to consumer: In progress
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX  XX/XX/XXXX {$470.00}

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 non-monetary relief