BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 XXXX fraudulent XXXX transfers were taken from my personal account totaling {$1100.00}. I called Bank of Americas claims department and an associate told me that Bank of America holds no accountability when it comes to XXXX and that it was not her problem. She gave me a XXXX number for XXXX but said that I am not likely to get through to anyone. I called again and spoke to an associate from Bank of America who explained that XXXX used to be convenient and safe, but now it is an easy way to lose your funds. I still have the text when Bank of America asked if I approved the transaction, I texted No. I also logged into my online account and requested my funds back through XXXX. How can Bank of America hold no accountability for XXXX, when they offer it through their website. XXXX is on their homepage, but they do not trust XXXX. Why would anyone keep their hard-earned money in a bank that promotes third party companies and can not back them up? They claim that they have nothing to do with XXXX, but they do. The last conversation I had was with a much more compassionate associate who explained to me that it could accept to forty-five days to complete the investigation. It has been two-weeks and still no refund, claim number, email, or any sign that I even inquired. I have been a loyal customer of Bank of Americas since I was a teenager. I have direct deposits, a business, personal, and a savings account with them. Lately, every time I have tried to contact them, I am on hold for over an hour. I suppose I have to take tomorrow off so that I can go in-person to a bank teller that may be a bit more helpful. As a single mother, I am still recovering from an XXXX XXXX  XXXX, take care of my children, my XXXX XXXX father, and can not afford to have my funds taken away and left with no accountability. I was told that one refund of {$580.00} was stopped and the other one of {$580.00} is being disputed. This is not the case unfortunately. Thank you ahead of time for your patience and understanding, Gratefully, 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 2023-09-18
Company: Experian Information Solutions 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$850.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 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 2023-10-10
Company: Stenger & Stenger, P.C
State: KY
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:
I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX  sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. XXXX XXXX, XXXXXXXX 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 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 I pulled into the atm drive-thru to make a deposit at the Wells Fargo location , I was using a new card ( tap pay ) the atm was not accepting deposits at that time, so I decided to park and use the other atm, In my lack of attention at that moment I forgot that I got into my account using tap pay, so during the whole time I went to park my car at the other side of the store, whoever was behind me in the drive thru literally maxed out my checkings account ( cashed out {$700.00}, I didn't have {$700.00} so overdraft came in ) when they had their turn to use the atm by the time I got to the atm to make my deposit ( which I never made because I got distracted by the fact that my account went negative in the 3 minutes it took me to park my car and enter my info into atm ) I explained this story to the bank teller the next day, and he told me that the person who made the transaction in my part would most likely be on camera and this would be an open and shut case. Now I called the bank, went through customer service told them my story and they locked my card (? ) and issued me a new one. On XX/XX/21 I received a letter through the mail from Wells Fargo and they said that they found that I authorized the transaction therefore my claim is closed after the fact I called Wells Fargo again and the rep told me that once a claim is closed there is no opening it again, I tried to give a better version of my story but I think they only heard it as a courtesy to me, never heard from the bank regarding the claim after that

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 2023-10-10
Company: Capio Partners, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A random account that went by ( XXXX XXXX  XXXX ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( ASSETCARE LLC ) and when I looked into it, i noticed that it was for the same amount that the ( XXXX XXXX XXXX ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: AZ
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:
Equifax has not responded to none of my disputes. I wrote to them requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was delivered. I asked for a investigation to remove accounts that are Inaccurate. This is affecting me from purchasing a home and is upsetting. I have not received a reply from you or any acknowledgment that an investigation has begun. I am requesting for you to delete these accounts immediately from my credit file. I sent my dispute letter on XX/XX/XXXX and a follow up letter on XX/XX/XXXX so this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now on day 45 people! Again, please DELETE these inaccurate items from my credit file, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Wednesday XX/XX/2022 at approximately XXXX, I was given a wrong phone number to transfer funds through XXXX XXXXXXXX XXXX  through my Bank debit card account. The person received the money and refused to refund it. The wrong I send the money is XXXX. The denied my request and block my phone. My bank said, they can't doing anything to help me, even though I used the debit card and account to complete the transaction. XXXX XXXXXXXX XXXX company is defrauding millions of hard working Americans with help of the Banking institutions. I reported it to the banking fraud department, but to no avail.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 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 2023-05-27
Company: Experian Information Solutions Inc.
State: IL
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, 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 2021-03-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My attorney submitted a letter to Chase on XX/XX/2021 questioning fees on my credit card and the letter sent to my attorney in response to the initials letter did not answer any of the questions. 

I need to know how Chase reached their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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 XXXX XXXX XXXX XXXXXXXX Account name : XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 7:48 98 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 non-monetary relief
Consumer complaint received 2021-03-11
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 belongs to someone else

Complaint:
After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: NY
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 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 UPDATING. 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 Balance : {$690.00}.

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 explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 following ( XXXX, XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).

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 2024-01-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
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:
My checking account was compromised and I had a fraudulent check transaction on my account, I contacted BMO bank to report the transaction and I was told to open a new checking account while the fraud is being investigated. it has been over 45days and my account has been restricted without access to my funds. please I need these funds to take care of my family in this current economy. I am left with nothing to survive because BMO won't give me my funds back. this is a life and death situation. I need my funds back asap. 
Acc Name : XXXX XXXX ACC No : 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

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 2020-01-06
Company: EQUIFAX, INC.
State: NY
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:
CRA failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought by NationStar/Mr Cooper. My payments were automatically deducted from my checking account with my previous lender and this migrated to the new lender. The problem is that each month the new vendor deducts the money from my checking account on the XXXX of the month but sends me a letter dated the XXXX which says that I have not paid, and suggests ways that I can pay, which cost more money. This comes across as a scam, they are just trying to get more money.

Company response to consumer: Closed with explanation