BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of this year, I filed a fraud claim with Bank of America due to some fraud that occurred on my account. I was defrauded by a guy named XXXX XXXX who was given temporary access to the account to set up a payment to my card from his checking account, due to some funds he owed me. I noticed that after the payments were made, ( around XX/XX/XXXX ) there were several different amounts that this person transferred off of my credit card into his own personal checking accounts. On XX/XX/2022, he transferred {$5500.00} into his checking account. On XX/XX/2022, he transferred {$5800.00} into another checking account, and on XX/XX/XXXX, {$100.00} was charged to my card without my permission. On XX/XX/XXXX, {$3800.00} was transferred off of my credit card, into a separate account. Lastly, all of the payments this person previously made to my card, reversed later on!! I reached out to BOA, and informed them of this activity, and initially I was given several provisional credits, but as time passed, they took those back, and denied my claim, several times. On top of that, my balance increased tremendously since I filed my claim. It jumped from XXXX XXXX some odd dollars to over XXXX XXXX XXXX XXXX. What is ridiculous is the fact that the bank knows I have been a loyal customer for 16 years, and have had a stellar payment history with them. So now that I am a victim of fraud, they have left me high and dry, and have not erased XXXX XXXX  worth of this fraudulent debt. I was expecting some help from them, but they have provided none!! I have provided a copy of my police report to the bank, and have been completely honest with them. I don't understand why they want me to eat all of this fraudulent debt, considering I have been a good customer for over 16 years.

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 2020-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a loyal customer of Capital One for over four years. My habit has always been to put down a large payment and use the card to make my online bill payments. Not a wise plan but I had problems with unauthorised transactions on a debit card that I had to close to stop the transactions. On XX/XX/2020 I made a payment of {$550.00}. Normally the money is available the next day. XX/XX/2020 my bank cleared the payment but my Capital One account is on hold until after XX/XX/2020. That money was all I had for groceries and a couple of bills. I was never notified by mail of the company 's policy change. The customer service rep gave no other reason except it was a large payment. Capital One never had a problem before with large payments. I made a payment of {$350.00} on XX/XX/2020 and was available the next day. The same thing with a payment of {$500.00} on XX/XX/2020. That money was all I had and I needed to put it on a card because the stores aren't really accepting cash around here because of c-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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 2021-10-15
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They continue to call and send fraudulent notice. I have no legal binding contract with this company. They assume the debt is valid when i sent them 3 notice that debt is not valid. They are harassing me constantly and ignoring it Im my request. They stole and bought my identity from another company that is fraudulent.XXXX XXXX sold my identity and private information to ic system. XXXX XXXX is in violation of the constitutional laws and 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 2023-11-08
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: Account status incorrect

Complaint:
FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ACCOUNTS ARE DAMAGING MY CREDITWORTHINESS. 

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-09-19
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims 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 2020-04-11
Company: EQUIFAX, INC.
State: OH
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 would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
American Express serve has locked my account with my COVID related stimulus on the card. The only way to reset the card is with customer service through a toll free number. I have called over 20 times and have waited on hold for a cumulative 6 hours with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2020-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY DISPUTE MADE ON XX/XX/2020 VIA EMAIL, IN MY PREVIOUS DISPUTE I AM REQUESTING TO VERIFY ALL THE DOCUMENTS AND COPIES THAT CERTIFY THAT THIS ACCOUNT IS MINE AND THE COPY OF ALL DOCUMENTS WILL BE SENT TO MY ADDRESS. I KEEP INSISTING THAT THIS ACCOUNT IS A MISTAKE, THE RESULTS OBTAINED FROM YOU DO NOT GIVE ME WHAT I AM REQUESTING, AND I CONTINUE WITHOUT RECEIVING THE TRUE DOCUMENTS. THIS SITUATION HAS ME STRESSED, NERVOUS AND WITH GREAT ECONOMIC LOSSES, I HAVE NOT RECEIVED THE DOCUMENTS AND ITEMS BELONGING TO THE ACCOUNT THAT I HAVE DISPUTED XXXX  / XXXX  # XXXX. I HAVE GIVEN IT UPON MORE THAN 60 DAYS THE SYSTEM DOES LAST NOT MORE THAN TWO HOURS, OR EVEN MINUTES, AUTOMATIC RESULTS ARE ISSUED, I HAVE COME TO THINK AND MY CONCLUSION IS : TO ASSUME THAT YOU HAVE BLOCKED IT SO THAT IT CAN NOT BE DISPUTED FOR MORE THAN TWO HOURS. THEREFORE IT CAN NOT BE REMOVED AND AS A RESULT IT REMAINS THERE FOREVER, AS WELL AS THE AGENT OF THE DEPARTMENT OF SPECIAL AFFAIRS WHEN IT MADE ME THE THREAT THIS ACCOUNT WILL NEVER BE ELIMINATED UNTIL WE HAVE DECIDED, TO PEOPLE SUCH AS YOURSELF WE HAVE TO BE VERY RUDE. THAT MUST MEAN THAT AMONG COWORKERS THEY GIVE EACH OTHER INFORMATION FROM CUSTOMERS, THIS IS VERY DELICATE, THIS IS PROVIDED TO SHARE PERSONAL INFORMATION FROM CUSTOMERS, SOMETHING HAS BEEN DONE TO MY CREDIT THAT IS ACCOUNT DISPUTED AS IT SHOULD BE, AS THE LAW IS ESTABLISHED, SO WHY ARE THERE LAWS IN THE FIRST PLACE? 
WHERE ARE THE DOCUMENTS TO VERIFY? I ONLY ASK WHAT IS ALREADY IN THE LAWS AND I HAVE NO ANSWERS, THE RESULTS OBTAINED ARE ACCORDING TO WHAT THE AGENT THAT DAY SAYS SO. WORSE EVEN, I ASSUME THAT THEY DO NOT HAVE DOCUMENTS TO SUPPORT IT, BUT THEY DO NOT WANT TO REMOVE IT FOR THE PERSONAL WAR THAT THAT DEPARTMENT HAS TOWARD MY PERSON, EACH TIME I CALL, I AM AFRAID OF THE RETALIATION THAT THEY DO AGAINST ME, BUT NOW, IF THEY HAVE BLOCKED ME ON LINE, I TRY TO SUPPLY IT WHERE THEY TELL ME : EXPERIAN / UPLOAD, IT SAYS THAT MY DISPUTES CAN NOT BE BY THIS WAY, THEN I SEND THE DISPUTES VIA CERTIFIED POSTAL CORRESPONDENCE AND THEY DO NOT RESPOND TO ME, THE 30 DAYS ARE NOT TAKEN, IN FACT THIS MONTH I HAVE SENT MORE THAN 6 DISPUTES. YOU MADE A MANIPULATED LOCK WITH MY CREDIT, THE AGENT 'S THREATS HAVE MADE A VERY DELICATE REALITY, TO CONTINUE THIS SITUATION I WILL HAVE TO TAKE LEGAL MEASURES, I DESERVE AN ANSWER AS REQUESTED AND AS REQUIRED UNTIL WHEN YOU PLAY WITH MY NERVES, IS THIS A GAME OF? WHO ENDURES MORE AND WHO IS TIRED FIRST? I ASK FOR RESPECT, AND DIRECTLY ACCUSE EXPERIAN OF BEING AN AGENCY TO DO WITH MY CREDIT WHAT COMES IN THEIR DESIRE AND BY A PARTICULAR AGENT.

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 2023-12-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/ my checking account got hacked for {$2600.00}. This individual somehow added themselves to my XXXX account as a recipient and was able transfer this unauthorized transaction to there account. I immediately called Wells Fargo and started a claim. When I called my bank several days later to get an update they let me know the claim was closed and it had been denied. I went into my bank to actually speak to someone in person, they told me I needed to contact XXXX and they gave me that phone number. When I reached out to XXXX they told me there was nothing they could do for me. Then on XXXXXXXX XXXX XXXX I got a text from ( XXXX ) that the same individual was requesting {$1500.00}. This situation is very stressful and I would like it resolved and to get my {$2600.00} that was stolen from 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 2022-11-04
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require correction or deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}.

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
Consumer complaint received 2022-09-19
Company: AES/PHEAA
State: CA
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 been qualified for Public Service Loan Forgiveness since XX/XX/XXXX. My payment counts were incorrect and counted at 119 when they should have been beyond 120. Unfortunately, my loans were still transferred to XXXX causing me significant delay and hardship. I now have to wait for my loans to be accepted by XXXX, hope they also count my payments correctly and then resubmit my public service loan forgiveness form ( which I have submitted at least 3 times since XX/XX/XXXX ). This is going to cause unnecessary delay in my ability to get my loans paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job mid-XXXX XXXX due to the COVID-19 pandemic. Due to my job loss, I am unable to pay my mortgage over the next few months. I spoke with our mortgage company ( New American Funding ) on XX/XX/2020, and I was told that they had no options for mortgage payment forbearance for COVID-19. I continued to try calling them several times after that for an update, but I was not able to reach anyone by phone. On XX/XX/2020, I sent them an email regarding my situation, and I have not heard back from them. In my email, I requested that my unpaid mortgage payments be added to the back end of my home loan. I know our California Governor XXXX XXXX has provided protection from foreclosures to homeowners for the next 90 days, but I need to discuss my options with my mortgage company. I would like assistance getting in contact with my mortgage company, and I am requesting a response from them regarding my email. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I processed an ACH transfer through XXXX XXXX online platform from my XXXX savings account to a linked account at another bank. XXXX XXXX did not process the transaction and put my account on hold claiming a fraudulent transaction. I have called repeatedly and confirmed with XXXX XXXX that it was an authorized transaction. They have not re established access to my account, and will not provide a resolution date. Or provide any other resolution.

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