BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: BANK OF THE WEST
State: CO
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:
The following are the facts of my case and the undisputed reasons I should have received funds for my billing dispute with Bank of the West using my MasterCard Business debit card. I understood Bank of the West has included their terms and conditions for their reasoning for declining my disputes, however per Mastercards  billing dispute rules Im obviously covered and have a right to dispute the presented charges on my business card. I have attached a portion of Bank of the Wests website which clearly states my business card is protected through MasterCards guidelines and benefits. MasterCard states very clearly that I have a right to dispute charges  under the premises credit not received meaning the merchant promised credit however they did not issue such credit. Under Mastercards guidelines Im allowed to dispute charges up to 120 days from all dated material, meaning not from the transaction date and not from Bank of the West disclosures, but from the date I received an email stating the merchant would refund my account. I have attached two emails from XXXX XXXX and XXXX XXXX from Bank of the West clearly showing that they did process business disputes that were past their terms and conditions because these disputes fall under Mastercards guidelines. I have also attached an email dated XX/XX/XXXX from XXXX XXXX of Bank of the West that clearly states that all transactions that were present to her would be processed. Mastercards guidelines also clearly state all material use to dispute my disputes be sent to me, Bank of West has failed to send me this material. 
I have attached a video that references both the CFPB, MasterCard, Fair Credit Act and disputes XXXX XXXX XXXX XXXXXXXX. 
In conclusion, its very clear that it was agreed and stated by XXXX XXXX and XXXX XXXX that all transactions would be processed, the attachment from XXXX XXXX showing that business transactions that were in XXXX and XXXX of XXXX were processed because thats what the agreement was. Its also clear that Bank of the West uses MasterCard for their services so Im absolutely within rights to dispute. Under government rules and MasterCards guidelines Bank of the West still has {$42000.00} in outstanding disputes to process. As of XX/XX/XXXX, Bank of the West arbitrarily closed my account without reason and has caused even more financial harm. 
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 2023-10-28
Company: Experian Information Solutions Inc.
State: NJ
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:
AS I WAS REVIEWING MY CREDIT REPORT I FOUND THESE ITEMS ON MY CREDIT REPORTS!

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 2023-05-07
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:
General issues with debit card

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 2022-11-01
Company: EQUIFAX, 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 2nd 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 alleged fraud or extortion. 


XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXXXXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX ROW XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
this message is for transunion concerning the account with XXXX XXXX in the amount of XXXX dollars. showing the account is paid in full and should be deleted from my report.

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 2019-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and equifax. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and equifax credit reports. 


Thank you XXXX XXXX Safety Engineer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the amount of {$100.00} shown as due. This amount I do not owe to XXXX XXXX. XXXX XXXX charged the amount for the services I have never used and reported to credit agencies as this amount as due. I have disputed this twice with Experian. But the issue remain un-resolved and amount is still showing as due from me. 
Can you please help to get this incorrect amount charged by XXXX removed from the credit records? 

Kind regards, 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 2021-11-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I went to a Truist branch location to deposit a {$250000.00} check drawn on a Truist account. I requested to deposit the Truist check into my Truist checking account and then pay the HELOC balance ( approximately {$170000.00} ). The first representative told the teller to cash the check, pay the HELOC, and deposit the remainder in my checking account. The branch manager then came over and told the teller not to do that and to deposit the check into my account. The branch manager then loudly explained that they could not cash a {$250000.00} check. When I explained that I didn't want to cash it, I wanted to deposit it and pay off my HELOC to avoid paying additional interest he loudly stated again that with a large deposit of {$250000.00} they could not do that. I explained that the other representative said they could do that to which the branch manager said loudly again that they couldn't do that with a {$250000.00} deposit. I asked him why, in a room filled with people, he would loudly state the amount of my deposit. His disregard for my privacy by announcing the amount of funds could very well get me robbed! The teller then stated that only a deposit of the Truist check to my Truist account could be made and that a hold would be placed until XX/XX/23. I explained that the money is in Truist and that a hold will cost me over {$100.00} in interest on the HELOC as I am not able to pay it off. The teller stated there was nothing she could do. The Truist check was deposited into my Truist account. Now I must wait out 5 days to pay my HELOC account. This delay, will cost me approximately {$140.00}.

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 2022-11-01
Company: PNC Bank N.A.
State: NY
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:
On XX/XX/2022 I reached out to PNC bank regarding an interest charge on my card that was posted on XXXX XXXX. I explained my situation to the representative as I had an emergency with my father XXXX hence my payment not being paid in full for XXXX and XXXX. The representative then told me that she would be able to process a waive for the XXXX fee of {$51.00} as a one-time courtesy. To this day I have not gotten any refund and had reached out to resolve the issue only to be told now that it's not possible all of a sudden and nothing can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have called Transunion several times to get this resolved and they have ignored my request. 

XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A friend who lives at a previous address of mine received a statement from Bank of America for an account I did not open. He sent it to me and I contacted Bank of America to close the account. It had no activity but it had maintenance fees. 

Bank of America told me the account was opened in XXXX of 2021 but has refused to provide any additional information. Bank of America has canceled the maintenance fees. 

I would like to know what mailing address ( es ) email address ( es ) and other contact info was associated with the account and how/where it was opened in order to help protect myself from future fraud. This is especially important if any of the information belongs to someone I know. 

I believe Bank of America is refusing to share this information because they opened the account to charge me fees. 

I have twice requested confirmation that the account has been closed and fees waived and all I have received is a generic email about protecting yourself from fraud. 

After a second call with customer service they told me my request has been received and I would get a response after XXXX business days. 

I receive frequent correspondence from Bank of America regarding an employee credit card and a business checking account I am on. I have never received any correspondence regarding this account.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My complaint is with Wells Fargo Bank. I had an incident of fraud on my checking account, and the case HAS BEEN RESOLVED, yet they STILL won't give me my money back. 

On XX/XX/XXXX, my rent check ( check # XXXX in the amount of {$1700.00} ) was intercepted and fraudulently cashed. The fraudster forged my landlord 's signature and cashed the check. I reported this immediately to the Wells Fargo Fraud department.

The case/claim number is : XXXX. 

It was a clear case of fraud, but Wells Fargo said in order to resolve the issue and credit my checking account with the missing {$1700.00}, both myself and my landlord ( who was supposed to receive the check but never did ) had to sign an affidavit saying she did not receive or cash the check, not did I cash the check unlawfully. 

We both signed and returned the affidavit and Wells Fargo confirmed that they received it. 

That was on XX/XX/XXXX It's XX/XX/XXXX and I STILL have not been reimbursed the {$1700.00} in my checking account from Wells Fargo. I've made multiple calls to both their fraud and complaint departments, only to get brushed off and say they'll contact me with a " letter by the mail in 10 business days. '' No matter how firm I am, or how much I try to escalate the issue, Wells Fargo refuses to put my stolen money back into my account, while they continue to remain silent.

It's been 5 months. Please help! 

XXXX XXXX XXXX XXXX Wells Fargo Fraud case/claim number : 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 2018-07-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice!  All this is happened this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a victim of identity theft. A  XXXX XXXX XXXXXXXX XXXX  has been impersonating me. on XX/XX/2022 ( 6 ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXX XXXX is a dangerous individual, scammer, impersonator.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: IA
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 a federally protected consumer and the FCRA says i have the right to a accurate consumer report. And the FTC has a strong stance against identity theft. My name is XXXX XXXX XXXX residing at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX my cellphone # is ( XXXX ) XXXX. I Just saw on my Experian consumer report there is someone with a name of " XXXX XXXX " under the name section on my consumer report and a residential number of ( XXXX ) XXXX '' reporting on my consumer report AND THAT IS NOT MY NAME AND NOT MY NUMBER!!! I do not know how that got on my consumer report and to make things worse when I checked my Experian Consumer Report XX/XX/23 there a was a inquiry from XXXX XXXXXXXX XXXX on my consumer report like someone tried to get credit or a loan or something from XXXX XXXX XXXX and a loss of points because of the unauthorized inquiry. I feel violated!!! I need Experian to immediately delete the name XXXX XXXX and the number of " ( XXXX ) XXXX " and the unauthorized inquiry from reporting on my consumer report that IS NOT MY INFORMATION!!! And I want my points added back on my Fico score that lowered the fraudulent unauthorized inquiry someone did lowered it. I '' m calling on the CFPB to step in police, supervise, hold Experian accoubtable for the identy identity theft, and fraudulent activity going on in my name and on my consumer report.

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 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is still inaccurately reporting fraudulent information because the bankruptcy court has provided me with documentation that I have attached stating that they have not furnished any information in regards to the bankruptcy to Transunion. I contacted Transunion on numerous occasions as well as disputed the bankruptcy and was told it has been verified via third party company XXXX. I sent a letter to XXXX stated that the bankruptcy doesn't belong to me and XXXX removed the bankruptcy from my file. XXXX XXXX sent me documentation showing it was removed and send the same information to Transunion. At this time Transunion is telling me the only way it can be removed is an expungement via the bankruptcy court. The bankruptcy court does not have any record of this file and does not offer expungement for bankruptcy case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
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. 

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 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 an 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