BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Im here asking you for the love of God to help me solve this problem with the Bank of America ..... 

On XX/XX/2022 I contacted XXXX XXXX XXXXXXXX complaining about a fraud in my account... I saw them withdraw in a day almost {$1000.00}... when I went to take a look at my account to realize that XXXX was withdrawing money from my account for more than a year. I contacted the bank to open claim, they said they were going to investigate .... 

And they will ask me to contact XXXX ... .I contacted XXXX and XXXX will review my phone and saw that it was fraud ... I called the bank again and they will send I wait 45 days to investigate... well the 45 days have passed and they will not call me and did not send any letters and simply closed the case... 

I called the bank again, they simply said they closed the case for spending a lot of time I spoke to the attendant that XXXX spoke That it was fraud... they will tell me to go to the bank and sign a paper. I got there, there was no paper and the person who answered me called them And he explained everything again and the attendant asked me to go to the police station to open report I did everything they ask to me They will ask, I sent everything copie report And they will send I wait 30 days I waited I called again and they couldnt find the documents I sent and whenever I called I never found my case even with the claim number I asked about the fax I sent... I didnt have an answer and in the end the boy who answered me simply said that there is nothing else to be done .... Because I entered my account several times and because I didnt see the transactions .... So I explained why it is a Businesses account and that it entered several charges and entered money that my life is very busy because I have XXXX children .... Im single mother Bank of America will close the case Even though I said that XXXX said it was fraud For not speaking English Theyll think I wont run after my money Please help me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need, Ill send you everything from each sheet of this Bank of America

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 2020-12-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Barclays was contacted today in regards to a due date change. I have been contacting them since XXXX for the due date Change since I am a victim of the pandemic and can not make a payment on the first of the month since XXXX my payments have been late most paid by the 5th but the first is impossible. I have been told by reps that when my payment cleared they would go into the account, change the due date and then contact me. To no avail. 
XX/XX/XXXX at XXXX I was told by a rep that even though the account is in good standing that my due date can not be changed. I was informed that due to me contacting an outside agency which is only this one ( consumer protection agency ) he informed me a letter must be sent by this agency before they can make any changes to my account stating they are no longer legally representing me. 
I was fully under the impression that this agency ( consumer protection ) was not a legal entity and can or will not give legal representation. Barclays has illegally recently answered a dispute filed by XXXX  stating that a payment for XX/XX/XXXX was 30 days plus late when the rep and my XXXX  account has confirmed that a payment was made on XXXX XXXX 4 days after the due date no where near 30, I have begged and borrowed to pay this account and have been illegally penalized in so many ways but the main issue is being penalized for contacting this agency is illegal, the phone call was made at XXXX on XX/XX/XXXX and will be subpoenaed if required, this is extremely unfair and illegal from falsely reporting to robbing me every month now since XXXX for a late fee when I been asking for a due date change that has never happened. 
This bank has gotten {$180.00} from me in late fees since XXXX. This bank has also illegally penalized me for contacting this agency and informed me that this agency must send a letter before anything can be changed on my account. This is extremely unfair and unconstitutional

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to recent suspicious activity related to my accounts, I am requesting an immediate fraud alert on my credit report. I believe I might be at risk for identity theft or fraud. 

Please find a copy of my [ identification, e.g., " drivers license '' ] for identity verification. Once the fraud alert is in place, I'd appreciate a confirmation from your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Please reference attached... 

I filed a Complaint and Request for Chargeback on XX/XX/22 using the Wells Fargo.com Dispute/Claim Form . Since the form represents the bank 's capture document for Dispute/Claims processing, I assumed it holistic in both design and nature. 

I also took the liberty of mailing hard copies of the supporting documents referenced in subject Dispute/Claim the same day. Given the source and irrefutable nature of the supporting documentation provided in support of the Dispute/Claim, resolving the claim should have been a 'slam dunk '. Yet, it has now been outstanding for nearly 40 days. 

Although I took the liberty of following up w/ the bank in writing regarding the Dispute/Claim on XX/XX/22, the claim remains outstanding to date.

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 2020-09-26
Company: Phoenix Financial Services LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Phoenix Financial Servic has placed a collections account on my credit reports for a balance of {$1300.00} as collection/chargeoff for an original lender XXXX XXXX XXXX XXXX it appears to be a medical debt and I have no idea about the specifics of this account and they have not provided me with any specific information re ACCOUNT TYPE,, and the only thing I can think it might be is a trip to an emergency room where after waiting for several hours, I LEFT .... so if that is the case I got no services from either phoenix or XXXX, but I only have information from my CBR 's can not request a VOD nor can I dispute this and they are doing damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Problem with personal statement of dispute

Complaint:
Over a decade ago through divorce, I was left out of the loop about financial obligations to my alarm monitoring service, and as such found out many months later by way of credit reports. Having no money to pay, I knew it would affect my credit for years and that was my only option. Ive since then had this debt removed from my credit years ago. However just recently I noticed a huge drop in my points ( 80 or so ) because of a new 30-day late notice and the reemergence of long-forgotten ( and fallen-off, due to age ) collections. I responded directly within XXXX app to file a dispute sighting such ( twice now ), but was quickly denied, and the claim remained. Not only was I not notified, and dinged on points, but this is, and was, dead on arrival based on time that has passed. It seems as though, even after seven years.. someone could buy your debt claim it as new, and harass you for it, all while taking down your credit score.

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 2018-04-22
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
On XX/XX/18, I went to Experian.com in order to get my free annual credit report. I have not seen my credit report for several years and I wanted to check it and make sure the information was accurate. First of all, they said I had to pay {$1.00} for the report. It may be that they were charging the {$1.00} for my score, but I didn't ask for my score, I just wanted my report. They did not give me the option of just getting my report for free. 

Then, they said that I was signing up for a 7-day free trial for some kind of credit monitoring service, and that if I didn't cancel within 7 days, I would be charged {$21.00} per month for the service. 

This is bull! These companies should not be allowed to to require me to pay for my own credit report, and when I pay them their stupid {$1.00}, I should not be signed up for some service I do not want. You need to protect me, the consumer, from being taken advantage of by the credit bureaus. 

Thank you!

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 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX bought the debt from another bank & started sending statements to the wrong address. They are aware of the issue & agreed to update it to open/never late. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/23 around XXXXXXXX XXXX  someone went on Bank of Americas website and applied for an XXXX  account. Two emails were sent to me, one to verify my email address and the other to state that the account was declined. At first I thought it was spam, but then there was my credit score on the second email that alarmed me. I called the customer service number at BofA and spoke with four people. Two of them only found an old loan I had with the seven years ago. Then I was transferred to the fraud department and they found there was activity going on that morning. The person had my name, SSN, email address, and mailing address. They didnt have my phone number, but they gave a number. XXXX. I was instructed to call the credit bureaus to put a fraud alert on my account and to contact XXXX. I was told by a friend if BofA had approved that account, the person wouldve cashed it out, closed the account, and I wouldve been responsible for paying it back. Thats terrible. They did this online. Im so glad I caught it, and theres got to be a breach with someone I had business with in the past.

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 2022-08-27
Company: Resurgent Capital Services L.P.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am constantly getting calls from LVNV Funding, and Resurgent from XXXX. I am sick of getting woken up on my only days off from work. I have changed my number twice and they still track me down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1099C HAS BEEN FILED AND ACCEPTED DEBT HAS BEEN DISCHARGED AND PAID COMPANY IS STILL REPORTING NEGATIVE REMARKS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit card with Bank of America was set on auto pay and I never received any notice from Bank of America that my card was delinquent. After some investigation, it appears that this is a common problem where the Bank of America auto pay malfunctions and costs people fees and adversely affects their credit. This started in XX/XX/2023 This delinquency is improper and should be removed from my report. After raising this with Bank of America, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately XXXX on time payments and have never had an issue.

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 2021-11-06
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CARTER-YOUNG INC at ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ) has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company Carter Young Inc. This company does not have a contract with my signature.

Also, Carter Young Inc sent me part of my medical records or personal information. I intend to make an official complaint because they have violating HIPAA and I did not authorize them and I did not sign a HIPAA form authorizing this agency to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 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 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 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, around XXXX or XXXX XXXX I received a call from someone claiming to be from the 5/3 bank fraud department saying my account was compromised. I asked to block my account. They said they would have to send a code to my cell phone to verify my identity. They send me the code and I read it back. 

Shortly after I noticed that I could not log in to my account. Had to reset my password. I also noticed 2 fraudulent money transfers on my account - 2 XXXX transfers to someone I did not know. I was NOT logged in to my account when it happened, I DID NOT authorize the transaction and I DID NOT initiate it. 

On Monday morning I went to the 5/3 bank branch to notify them about it. The XXXX transactions were still 'pending ' but they said they could not stop it. 

The bank closed my account and canceled my XXXX and XXXX cards. there were some other strange charges on my credit card ( shortly after ) as well, but since the card was canceled they did not go through. 

The bank has denied to give me the stolen money back - Case # XXXX The bank did not issue a provisional credit within 10 business day ( according to the E-Regulation ). I do not think the bank did a proper investigation. Otherwise they would see that a different IP address was used by criminals to log in to my account to steal the money and the phone number was spoofed. 

I am an elderly XXXX XXXX XXXX man on XXXX. 

The bank is violating the federal law which states : " On XX/XX/2021, the Consumer Financial Protection Bureau ( CFPB ) published eight Frequently Asked Questions about Regulation E and unauthorized electronic fund transfers ( EFTs ) and error resolution. EFTs and error resolution procedures have grown in importance as more errors are asserted by members and more complaints are being lodged by consumers against financial institutions. The FAQs clarify if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account, that does meet the definition of an unauthorized electronic fund transfer under Regulation E. The FAQs also point out a financial institution may not consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E. In addition, the FAQs state a financial institution may not require a consumer to file a police report as a condition of initiating an error resolution investigation ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America was suppose to send me a card with {$12000.00} on it from XXXX then another {$12000.00} I didn't receive any of it and when I called them they told me it was sent I said sent where. I didn't receive it. Then I would call back and they would take a long time getting back with me.they then told me I didn't have anything there. I had been very XXXX  behind the whole thing. I've had friends to XXXX XXXX XXXX XXXX and family members. I have been homeless for XXXX mo 's now I'm back on my feet.

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 2020-09-26
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information  directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 explanation