BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
RE : UNAUTHORIZED CHARGES TO MY ACCOUNT Five unauthorized charges were made to this BofA account, totaling {$240.00}, from XX/XX/2020 through XX/XX/2020. ( I have not used this account for any purchases, only transfers, to date. ) I immediately attempted to contact Bank of America by phone regarding these thefts, and have been unable to reach their Claims Department by phone after numerous calls, at all hours of the day, and with extremely long 'waits ' after which I was repeatedly disconnected. - I then contacted them by email, at XXXX, and was told they can not help me via email and directed me to call XXXX. I have not been able to get through to them at that number either, nor at any other number I've found online. 

I want this stolen money to be restored to my account. Please advise.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2021-09-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit file was not corrected as a result of your research. I've already told you that my report contains accounts that are the consequence of identity theft. Please conduct a re-investigation and notify me of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-11-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an identity theft victim from the XXXX XXXX  XXXX Breech. I filed a complaint against Experian Credit with your company in XXXX for twice adding fraud alerts to my credit report without my permission and no fraud taking place. They have twice taken my ex husband XXXX XXXX XXXX XXXX bill and added it to my credit so they could illigally add fraud alerts to prevent me from buying a car. They are obsessed with my financials which is non of their business and have done everything to prevent me from getting credit. They have stated I changed my phone number which is not true. Experian has kept nearly 15 phone numbers, fraudulent addresses and credit files on my report knowing that it is fraud. Experian partnered with XXXX XXXX ( XXXX XXXX  ) to bully me so I cant pay my bills and lock me out of the system from ordering merchandise. They have left fraudulent car loans on my report after they were removed, refuse to send me statements and continue to do everything to prevent me from reporting positive. My credit was XXXX before Experian placed the first illegal fraud alert back in XX/XX/XXXX. It is XX/XX/XXXX and I am battling the third illegal fraud alert they added because they feel they can and do not care how it impacts me from buying a car which is not their business. I pay my rent, my bills and again my finances are not their concern. I got a secure credit card which is why they are doing everything to harm me and my credit. I want the illegal fraud alerts, addresses and phone numbers removed from my reports. They are the only credit bureau to continue harassing 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 2023-07-11
Company: Experian Information Solutions Inc.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-12-21
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX XXXX account for a new phone that I purchased. It just so happened that TD Bank was the credit company for them and Ive had nothing but a horrible experience as XXXX of their customers. It feels like since they are a third party for XXXX that they could care less about placing the customer first. I got on their payment platform and created my account to set up auto-pay like I do for ALL my other credit cards Ive used. Have had no issues with others except TD Bank decides that my checking account isnt valid for them to take payments even though it was entirely correct ( They can confirm with my credit union ). They started sending me several letters in the mail stating my payment wasnt being made and that I needed to pay. So I call them and explain the situation and none of their representatives offered any help at all. They had waived XXXX NSF charge for me but then the same issue kept happening where they werent taking my payments for auto-pay. So I complained more about these additional NSF and late charges they put on my account and they refused to offer any resolution. I decided since I was entirely done dealing with these people and this horrible credit company that Id pay my full balance and be done with them even though I had promotional interest. Well, I made my final payment and apparently they had payment issues so it took weeks for it to get fixed and then they simply reversed my payment and also sent me a check in the mail without notice. I cashed the check but then they reversed that too. At this point I was lost with what my account balance was or supposed to be and what I owed. They also refused to give any help or resolution the dozen times I called. So Im sure they have charged me a lot more than I actually owe them which is hard to tell based off how messed up my account is now. They also almost cost me losing out getting into my first home because I had paid them off but my payment was pending for so long it was hurting my debt to income and they refused to put a stop on the payment so my mortgage company could pay it off in closing. They literally put me through so much stress and frustration I was starting to have an anxiety attack and had leave work. Emotionally this has been awful. I just hope you can please provide a good resolution. I have all the dates for these charges listed below. 

XX/XX/XXXX Late charge assessment : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Check Charge : XXXX XX/XX/XXXX Late Charge Assessment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was called by collector in XX/XX/XXXX. I was told i owed a medical debt from XX/XX/XXXX. After i explained i did not owe a medical debt they continued to harass. I got account info from collector and called the hospital which had a record of the bill being paid in XX/XX/XXXX. I contacted collector told them it was paid in full in XX/XX/XXXX and they proceeded to write a public record on my credit report stated I owed money. XXXX weeks after they added it to my credit report they removed it from some services but not all. It still shows on my fico score as a derogatory account. I buy equipment and credit score cost me a lot of money depending on interest rates. I contacted collector they refused to talk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems has reported a collection over a rental since XX/XX/2020. Their client, original creditor, was taken to court due to slumlord conditions in the property that I leased. 

This lawsuit was settled in XXXX with the debt been waived and released as part of the settlement. 

This was informed and mailed to the collection agency and they denied my legal request to remove this collection from my credit reports. This has caused me damages, since its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: I.C. System, Inc.
State: OH
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 recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act XXXX XXXX Account number : XXXX and I.C System Inc Account number : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without 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 explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect late payment reporting while attending school full time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Resurgent Capital Services L.P.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please see previous case XXXX XXXX I am rejecting this response because : Wells Fargo and the staff assigned to investigate this claim have been dismissive, have attempted to gaslight me, and refuse to take any responsibility for protecting and supporting loyal customers. There has been NO transparency in conversation, and it has taken me to push these complaints to get any response. I've requested documentation of why my claim was denied, and first I was told to call a number to request the documentation, next I was told that the Escalation rep XXXX XXXX XXXX put in a request on my behalf for the documentation but it would take up to 30 days to receive. I was disconnected from a call, and was told that " the agent said you hung up ''. Also important to note, that WF did not acknowledge receipt of the initial email with supporting documents until the rep XXXX XXXX XXXX called me today and I raised it. 

All of this is crazy. I am a professional that works in local government. I know my rights, and all I am asking for is a thorough review of my claim and reimbursement of funds that were fraudulently scammed from me. I have spoken to others that have been victims of similar scams, and were reimbursed their funds from Wells Fargo and/or XXXX XXXX XXXX XXXX I've asked on numerous occasions to speak with a manager and was either transferred to a voicemail box with no message or disconnected. I've been a customer of Wells Fargo since XXXX, and I expect some level of respectful customer service. 

Why does it take 30 days for me to receive the documentation and process used to investigate my case? What is the " compelling '' evidence that WF found that supports the denial of my claim. No one has ever interviewed me or asked me about what happened. 

I will not accept this response until : 1 ) I receive documentation of the process and steps outlined to review my claim and reasons for denial. This includes what the " compelling evidence '' is as mention in the letter by XXXX XXXX 

2 ) Review of my claim and action from Wells Fargo which would include restoration of my funds. 

3 ) Apology from wells Fargo for the rude, disrespectful, condescending, and poor communication from their staff ( claims and escalation ). 

Sincerely, 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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chase is refusing to acknowldge the identity theft and holding me liable for fraudulent transcations inspite of repeated explanations I am writing to you to document an issue with identity theft that I have complained to chase about previously. 

To sum up, On XX/XX/, my phone number was hacked. My provider is XXXX XXXX which uses an e-SIM service. The e-SIM was ported out to a different device. Once the hacker got hold of my phone number, he utilized phone based authorization and OTP services to get into my credit card accounts including Chase. 
He opened a new credit line with Chase under number # XXXX now ending XXXX If they check the date of the transaction they will find that this account was opened on the same day - XX/XX/XXXX. Before the physical card was dispatched, the hacker added the virtual card to XXXX XXXX ; and was able to utilize it for two transactions at XXXX totalling {$370.00}. 

Without phone access, I had to go in person to the branch multiple times to explain the situation and request the account be stopped. 
At the same time, the hacker also opened multiple credit lines with other companies. 

I have been a Chase customer for over 5 years and my account has always been well maintained. I have explained this situation multiple times in person ; and providing the same detail via this email as well. 
I want to emphasize my profound frustration and disappointment in the way this matter has been handled so far. I have consistently provided all necessary information, with a detailed chronological account of events from the day it occurred. I have visited my local branch multiple times over the past four weeks, made countless phone calls to your fraud department, and yet, I still find myself in a situation where the investigation officer 's demeanor has been less than accommodating. I have been met with rudeness and disbelief, with inquiries as to why I am reporting this after 60 days of the incident. 

I would like to request that you close this account and waive the charges on this account - while ensuring that this does not affect my credit score and record. 
My credit has also been frozen with all the credit agencies and if you check with them, they can verify the same I have provided them screenshots as documentation of the activities around that time period ; complaint that was provided to XXXX XXXX ; as well as the email that was sent to the Police department in XXXX XXXX XXXXXXXX with the appropriate complaint number already provided them I kindly request that you conduct a thorough investigation into this matter, provide me with updates on the progress, and work with me to resolve this issue promptly. I look forward to a swift and satisfactory resolution, as I believe it is in the best interest of both myself and Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Assoc ( account # XXXX/XXXX/XXXX/XXXX/ Im the amount of $ XXXX/ $ XXXX/ {$440.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: DISCOVER BANK
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My problem happened after my mother passed away XX/XX/XXXX. She was helping me pay my bills. I tried to keep all my accounts paid or an agreement for a less amount to be paid. Discover Card advised me in XXXX that they would set up a hardship and I paid that amount they stated for 3 months and then that amount would be my monthly payment. However, as time passed and money was very tight, I called Discover and told them that my hardship was worse and they agreed to forgive my account. 
So, I figured that I should check my credit reports since I received a letter from XXXX XXXX XXXX  that my and my deceased mother 's personal banking information was possibly compromised. I attempted to sign up with the credit monitoring agency and I could not reach the link they advised customers to use. Therefore, I just hoped nothing would happen. 
So when I checked my credit reports and saw Discover Card still on my credit report as negative, I disputed that account with XXXX. After I submitted the dispute, XXXX dropped my credit score XXXX points and will not discuss anything with me while a dispute is ongoing. 
My main complaint with XXXX is the way that I was penalized for the dispute by dropping my credit by XXXX points and I am not allowed a reason why. If XXXX can not speak with me while a dispute is ongoing, they should not be able to penalize me either when nothing has changed with my credit. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation