BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 Today is my 4th of day in a row having my EDD debit card declined at a merchant. 
Today my card was denied for XXXX at XXXX even though I used my PIN. 
This was the 4th day of embarrassment trying to use my EDD debit card. 

I had to be removed out of line and taken to pay for my transaction with cash. And Bank of America wonders why I am constantly trying to withdrawal cash. 

The card was blocked without any notice to me even though I am signed up the fraud protection where I should receive a notice of suspected fraud. 

Also attached is a notice that Bank of America is suspending wallet pay services but there is absolutely no mention of suspending the card use for XXXX. 

This is quite obviously Bank of America trying to freeze the account through other means.

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 2019-12-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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:
I lost existing credit limits XX/XX/XXXX. Then applied for credit in XX/XX/XXXX and was denied both times Experian sent a XXXX  report to the creditors. I ordered a copy of the XXXX   report which had not existed on me until XX/XX/XXXX. The report says I have no credit and also list my checking account and Drivers license information as well as inquiries I never approved, I called them to get this information fixed and find out why it says no credit information and was told it was not their place to update the information how and they were an legitimate reporting agency. If they are then it is their responsibility to keep the information up to date. something needs to be done this company makes it impossible for people to improve their credit and if they gave it to an employer it would cost people jobs. It is bad enough for us to have to deal with the 3 Credit agencies when they do not update information with out them making up more of them. i can send a copy of both my Experian and this so called XXXX  report to show you the huge difference in the two of them.

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 2023-03-02
Company: Chime Financial Inc
State: GA
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 was charged {$99.00} for a membership that was not supposed to be charged to my card until having attended a class at the XXXX XXXX XXXX, however the card was still charged, furthermore upon the company attempting to recharge my card for {$99.00} the merchant had to be blocked and my card removed from a subscription charge that I had not actually initiated, upon blocking the merchant with my bank Chime, and providing emails exchanged with the business, they sided with the merchant whom has impractical policies in place, stating that the XXXX is the only personnel whom had authority to cancel the subscription, however the XXXX did not respond to a phone call or email until XX/XX/XXXX/23 and proceeded to act justified in the stolen funds obtained on XX/XX/XXXXXXXX2023. My bank found no fault in this, when again the business intentionally derailed my request to cancel the fraudualent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
they called my house regarding a person that hasnt lived here in 8 years. i told them so and they keep calling. 

so i called them this morning upset and they hung up on my 5 times. i cursed at them because they kept speaking over me but they were not being nice and have not removed me from their dialer that keeps calling.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They listed my account on my credit reports incorrect, i also paid off my loan early

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I C SYSTEM at ( address of company ) has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2019-09-18
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
False Certification - Ability To Benefit Application - Denied - XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I do not think that the way Discover card is calculating and charging me interest is correct. At best, their monthly statements are misleading and do not give consumers a clear indication of how much they need to pay to be able to avoid interest fees. I have some 0 % interest balance transfers on the card, and then I also use it for regular purchases each month. Each month I pay as much or more than my purchase amount so that I can avoid interest charges and pay down the 0 % balance transfer. However, I keep getting hit with interest charges regardless of how much I pay. It's as if they're charging me interest for my purchases from the day that I make the purchase rather than giving me the standard 30 days to pay off the balance. 

I have called numerous times trying to seek clarity on this issue. Last month, I even called and asked directly " how much do I need to pay you this month so that I will not be assessed interest charges? '' I then sent in MORE than I was told to pay and yet was still assessed interest charges. 

No one at Discover that I have talked with has been able to adequately explain this to me. This month when I called and asked the same question as above, I was told " we're actually not supposed to tell you that amount over the phone. '' So I just want someone else to take a look to make sure that the way they're assessing me is legit and that this is being clearly communicated, because I am a college-educated, literate person and am still not able to figure this out. I am attaching my statements for the past year so that you can review them. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have a court order document by the judge that my case was dismiss without charges. Yet this company after contacting them over and over and disputing with this court order document. They keep reporting to my credit and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX Account Number : XXXX has violated my rights. Or 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.

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 2021-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVE COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a text from my bank asking if I authorized a transaction for {$3400.00}, which I replied No as I did not authorize this transaction. I called the bank and they did not honor the payment. I then received a second text on XX/XX/XXXX with the same info asking if I authorized the payment of {$3400.00}, while I was reading the text I received a call from the banks phone # and was instructed to do a XXXX payment to reverse the charge which I was told was honored. The money went to some random account, a prepaid card of someone I do not know. The bank takes no responsibility, how did this person get my info on the first place. I was told by the bank that the person 's last name is my maiden name, how could they have this information unless a breach at the bank. Bank of America refuses to help and continued to put fraudulent charges thru.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: FL
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:
As of XX/XX/XXXX I have been disputing with Experian via certified mail for the last year or so about a reporting error that needs to be corrected, Yet Experian always comes back and says that the account was verified as accurate. XXXX XXXX XXXX  Account number XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all reported as paid on time. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking places. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! Experian has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached proof for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email about an checking and savings account that was opened fradulently in my name on Friday XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2019-11-23
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
OMG discovercard just copy paste the same exact false statements again & again after openly ignored my over 15 questions from case XXXX Lie 1, Not true that you couldnt contact me before XX/XX/XXXX. 

Lie 2, Fraud happened in XXXX reported around beginning of XXXX you only allowed less than 30 days investigation before your unilaterally paying & closing the ID theft case in XXXX, however i still managed to return your call from XXXX, and XXXX was the only rep who has tried calling me before XXXX. 

Our convo was to confirm that XXXX XXXX submitted ACTUALLY my LOST & STOLEN EXPIRED DRIVER LICENSE. Pls be mindful that i have faxed you my current valid driver license in XXXX later just to show you its a different ID., so you cant fraudulently use my faxed copy for the XXXX XXXX id theft submission although you have been hiding from me. 

Lie 3, You have never showed anything provided by XXXX XXXX, when you say XXXX gave you a valid copy of my id which is an obvious fraud contradicting from what i have confirmed with your agent XXXX before XX/XX/XXXX. 

Lie 4, when i have informed you by email inbox messages & by phone that i need over two months time abroad to handle parents death and you agreed to give me ample enough time for the investigation, yet you close the fraud investigation WITHIN LESS THAN 30 days after my phone convo with XXXX, NOT XXXX the actual investigator on your file. 

Lie 5, your so called invalid report was 1 of the two permanent reports, i gave you once the temporary # while abroad but later updated you with permanent report #. You cant be irreasonable and ignored all the valid legal reports and facts given. 

All these 11 months discovercard has put my credit through indescribable miseries took a lot of tolls on top of my households financial hardship. 

Per the two lost & stolen and ID theft police reports outlined, I demand government institutes like CFPB to do a legal audit on this discovercard fraud handling, to clear out all the lies above and much more discrepancies that have been mentioned in my previous case. 

PLS CONTINUE TO USE PREVIOUS ATTACHMENTS, COULD PROVIDE MORE UPON REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Account has been freezed several times in the past from Wells Fargo thinking fraudulent transactions on the account but was not fraudulent at the time. And a lot of my payments were late and more fees charged to my account with Wells Fargo!!!

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 2023-01-20
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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