BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent the attached letter to Experian requested requesting that they send to me documents bearing my signature on the items I previously disputed an inaccurate. I demanded written verification of these items they were reporting. They contine to send a letter stating that they investigated and subsequently re-investigated the disputed Items on my credit report, when in FACT they never did a proper investigation. 

The law is clear, I have rights under the Fair Credit Reoprting ACT. They continue to violate the law by not sending me written verification of documents with my name and signature on them. 

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that Experian somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how their investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to Experian previously are once again attached along with this correspondence in order to help you process this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Attempted to use a prepaid card purchased by my job. Card is not accepted anywhere, like XXXX, XXXX XXXX, XXXX, XXXX, and at least 3 other online shops I have tried. Authorization charges come through, but never the full amount. Amex customer service says things like " It's a temporary issue '' or " Those locations are fraudulent stores, and this is done for security, '' but provide no other solutions. The card simply does not work anywhere online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly.

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including TransUnion, have failed to correct the inaccuracies that continue to plague my credit reports.

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process.

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting.

I kindly request that the CFPB communicates with the credit bureaus, including TransUnion, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being.

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2022-09-08
Company: EdFinancial Services
State: IN
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received my credit report and noticed a charge off from Bank of America. I instanly made a phone call to figure out what was this account about. They had no information to give me. No information about the charge off. They explained that this was happening to a lot of people, that didn't sound good. I explained where does that leave me. After being on hold for what felt like hours, I explained that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal Law to verify -through the physical verification of the original signed consumer contract. Even after all of the explaining and pleading for them to do the right thing and find a solution the representative explained it was noting they can do.

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 2023-01-09
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I noticed that there was some fraudulent charges on my account from a company called XXXX. I reached out to chime and made them aware of the transactions. Chime in for me that provisional credit shall be placed on my account in 10 business days after the investigation has been made. The amount in question it was significantly a lot lower in all the transactions that I calculated which I did bring to their attention and they informed me that I have a provisionary credit will be placed on the account in the amount of 10 days. After review the 10th day was in fact on XXXX XX/XX/XXXX I called chime on XXXX XX/XX/XXXX, to find out why my provisionary credit was not on the account I was told that more time is needed to look into the matter I responded and said youre breaking federal law the timeframe allocated is 10 business days you can take more time to investigate but my money should be placed on my account in 10 days, not 11 not 12 10 days. Not because you guys need more time, federal law allocate the time and Chime is breaking federal law. 

I asked to be transferred to a supervisor whos name was XXXX I requested to have a complaint and I ticket a number from the files which he assured me that he did that. the number he gave me was XXXX and that call took place this morning between the hours of XXXX XXXX XXXX XXXX XXXX eastern standard time. I informed XXXX that chime is breaking federal law in the timeframe allocated for provisionary credits. I told him that I would expect my money to be on my account at the end of the day and I will be filing a formal complaint which Im currently doing now. This company should be stopped and they should not be using peoples money anyway that he chooses to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATM= {$500.00} was taken from my account. I went to a open bank they gave me {$500.00} in cash then 2wks. Later I received a letter were they took {$500.00} from my account.

When I was at the ATM I went to take {$1000.00} as normal, but nothing came out, on record I called about the problem while on the phone the Rep. Told me to try for a lesser amount which was the {$500.00} the receipt said it was withdrawn but I never received the funds of {$500.00}, THERE WAS SOME KIND OF GLICH AT THAT POINT, THE MACHINE SHUTOFF AND ON SO FAST AS IF SOMEONE WAS TAMPERING WITH IT AND THERE WAS A CAR BEHIND ME. I went to a bank that was open reported what happened they gave me {$500.00} and I thought that was the end of that I no longer have the ATM receipts but the Rep at the B.A.in XXXX, nj bank saw them and made a call and helped me. 
Claim # XXXX On XXXX XXXX XXXX REMOVED {$500.00}

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 2023-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out on numerous occasions to have items deleted from my account that are not mines and things I have no knowledge of. This Collection agency has now created distress in my life and I have been declined a rental home and a credit line increase because of this debt that I have never entered into a contract with! I have reached out to all three credit bureaus who have added this third party debt collection to my credit report hindering my ability to provide the best situation and outcomes for myself and my children. I have sent numerous of mailed letters, disputes online, Ive had to freeze my accounts due to several breaches that have exposed my personal information. The term " unauthorized debt purchase '' to describe the action of XXXX XXXX XXXX XXXX buying a debt that you do not owe, which is illegal. These 3 credit bureaus have again failed to do their job, I can not rent a house because of this debt collection agency that I have no dealings with was allowed to ruin my life and the credit bureaus have allowed this to happen. I need this deleted off my credit reports immediately so that I can rent a home for my kids and myself. I did not do any business dealings with this collection agency. I was told I can send this agency a letter requesting validation, original contract with my signature on it with this collection agency, a letter for them to cease and desist, copy of payment history and proof of collection authorization, I mailed these XX/XX/XXXX, and this collection agency failed to provide all the documents that I had requested, and since they are still reporting this debt after receiving my cease and desist and not providing me with the documents that I have requested they are in violation and that alone is grounds for deletion from all 3 reporting agencies. I also mailed all three credit bureaus as well XXXX XXXX, Ive been disputed this collection since XX/XX/XXXX, and I sent numerous requests for removal and documents monthly now. The debt collection is seeking payment of {$2600.00} I need this deleted immediately because they are in violation. I have also disputed a charge-off that is on my account and have requested a 1099C back in XX/XX/XXXX and XXXX of XXXX and I have yet to receive that and that is also a violation and I want this items Ive disputed and asked to be removed since noticing them reporting on my credit report last year and I started to take actions, via online portals, phone calls, mailing letters. Im fed up now especially since its hindering my ability to rental a home and credit card increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing to express my concern with the latest announcment of the USPS First Class Price Increase combined with a slow down of service. Are you kidding me, we will now pay more for poorer service. Add to that the effects this may have on the delivery of bills and payments that are sent via the USPS. I have already received a notice from Wells Fargo offering insights into what I estimate will be one of their latest efforts to cheat average ameraicans out of more money. They see the slowdown in delivery going both directions as an issue. Add to that the extremly slow posting of payments by Wells Fargo and you have given them permission to bilk their customers of even more money by saying their payments did not arrive on time. Yes, there are other options for many, but for thousands of Americans Online Payments are simply not an option. Watch all of the other banks follow, although likely a bit more under the radar.

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 2021-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, as required, I paid {$1000.00} for the 2nd Installment of the XXXX Taxes for my property. I made this payment in person at my bank because there was no information in the XXXX County Treasurer 's Office that Select Portfolio Servicing , Inc., had paid {$1000.00} as required by law. The result was both payments were received by the Treasurer 's Office on XX/XX/XXXX. I called several times and wrote to Select Portfolio requesting reimbursement. Select Portfolio had transferred my mortgage loan to another company to be effective on XX/XX/XXXX. When I called Select Portfolio 's Customer Service I could never get through to an Agent because my loan number was no longer active. In addition, my correspondence was never acknowledged by Select Portfolio. I visited the XXXX County Treasurer 's Office and was told that since XXXX XXXX, the Agent for Select Portfolio had declared that they were paying on their behalf, not on my behalf, as the mortgagee, they could not return my payment. Why would they pay on their behalf? It's not their property. The XXXX County Treasurer 's OfficXXXX website shows I'm due this refund. According to the Treasurer 's Office, XXXX XXXX must request a refund from the XXXX County Treasurer 's Office and issue the refund to me. Both companies, Select Portfolio Servicing , Inc. and XXXX XXXX must act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
First of all, None of your general descriptions meet my true issue. My Direct Express XXXX ( Comerica Bank ) was hacked for approx XXXX on XX/XX/XXXX and possibly XXXX, 2022. I have filed disputes that they send ticket numbers for but say forms were not received and now I am told that I will not get the provisional credit because paperwork not received ( I sent several times via fax XXXX ) and email provided on forms ... The dept of welfare and Medicaid sent money to my account by the time I knew it was there It was taken from Direct Express card by companies I have no knowledge of ... XXXX plus at 1 company and over XXXX at another plus residual money 's totaling approx amount mentioned, I didn't order or receive merchandise and my card is always in my possession. Please contact if more info is needed. Card company dispute dept is not helping at all. They say they are backed up but then how can you say paperwork wasn't submitted in timely fashion, my initial correspondence was via their dispute dept fax # please assist if possible here as I'm not sure how I can get my money back and no one says how they investigate as looking at my history they should get clues that I didn't hack my own acct. Please help or refer ... XXXX XXXXXXXX XXXX ( Dispute # XXXX ) card last XXXX : XXXX. Social last XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: CORELOGIC INC
State: PA
Product: Credit reporting 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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company checked my credit more than one time for only one account. 

XX/XX/XXXX XXXX companies reported inquiries I did not authorize. 

XX/XX/XXXX a company reported an inquiry I did not authorize. 

XX/XX/XXXX a company reported an inquiry I did not authorize.

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 2023-10-18
Company: M&T BANK CORPORATION
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below M & T BANK XXXX and 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 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear Officer, I have trouble getting the refund- the merchant had already sent them to my BOA credit card. I haven't received the refund for around two months. On August 6th, I returned four items I bought with my previous BOA credit card, which had already been replaced with the new number. BOA customer service told me that all my previous credit cards should be recorded in my profile and linked with my current credit card. So I could receive the money returned to my previous credit card. 
Unfortunately, I didn't. I went to the BOA office five times and called customer service more than ten times. They could not find my previous card information in their bank system, even though I had a physical card and statement with my previous card number. 
They refused to help on getting the refund back to me, just because they could not find my previous card info in their system. They know that's their system issue, but they insisted on refusing to help me. 

My refund amount totaled around {$800.00} on two different previous credit cards.

I could provide the following refund information : 1. Merchant refund receipt to my previous credit card 2. Merchant invoice number for the refund to BOA 3. Previous card # 1 physical card, statement 4. Previous card # 2 statement I could provide my purchase history with the merchant and a specific BOA credit card statement with the purchase. Please let me know if I need to provide any more materials. So many thanks! 

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