BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I received a text alert from Bank of America stating that our mobile app password had been changed. Neither myself or my husband changed it. I called BOA immediately and while on the phone with them someone managed to hack into our account, change the password twice and make 2 transfers totaling XXXX to a XXXX account and our money was stolen and transferred to a bank in XXXX Florida. BOA told us they would investigate it and have a decision within 10 business days. We then contacted our local sheriffs department on XX/XX/2021 and had an officer dispatched to us immediately. He took all the information we had and opened an investigation. After 10 business days I then contacted boa and was told our claim was denied because it looked like we approved of the transfer. I explained to them that there was no way we couldve done that when it happened while I was on the phone with them. I was also told when I initially called that when the person hacked into our account they changed the alert settings for everything to go to their phone and not mine. It didnt matter to them. So then a fraud detective through the XXXX county sheriffs department contacted us to let us know that they sent a search warrant to XXXX and he would update us once that came through. I also reached out to the better business bureau and a few days latter received a phone call from BOA stating that they were going to reopen the investigation. We also got a phone call from detective XXXX and found out the name of the person who stole our money lived in XXXX. I called BOA to update them and havent heard anything since. Its been about 3 weeks and Ive called multiple times to get updates and they wont call us back. Its been over 90 days since our money was stolen and BOA has done nothing to protect us. They not only let the person hack into our account once but twice, change our password twice and steal money twice and they did nothing to stop it and are refusing to make it right even though they know its fraud. They talked to detective XXXX after he got the search warrant back. We also contacted the XXXX police department and they are opening their own investigation.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called EXPERIAN and I told them that my correct address wasn't showing on my credit report file. They claimed they have it on file.

Company response to consumer: In progress
Consumer complaint received 2022-10-10
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: 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 demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 2021-03-10
Company: WELLS FARGO & COMPANY
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:
In XXXX We contacted Wells Fargo bank in an attempt to ask for help with possibly reducing our monthly bill and getting our account on track ( we had been behind on payments ). We spoke to the customer service rep who helped us initially get into the COVID-19 program with Wells Fargo. We were able to get our monthly payment to a more manageable number. During that call we were not notified that we had to pay any past due balance. 

We followed Wells Fargo 's instructions to a T. We made our next scheduled payment on time ( In XX/XX/XXXX ). When we called to make the payment in XX/XX/XXXX were spoke to customer service again because when we went to pay the bill we saw a past due amount on the account. We called again and asked what we actually need to pay. The rep sounded confused but added that we pay the new payment amount that was agreed upon last time we spoke to Wells Fargo in XXXX. We accepted what Wells Fargo told us at that time and made our payment. Just shortly after that we were notified by our credit monitoring service that we had a negative report show up on our credit report. I saw it was from Wells Fargo and I was VERY ANGRY. We called Wells Fargo immediately and initiated an investigation into the first call. The supervisor I spoke to advised he would investigate the calls we made and listen to the recordings and then get back to me by the end of the week. We are now at least 2 weeks past that date. I wrote a letter to the Wells Fargo Executive office and advised how we had been treated by Wells Fargo and that we had not recieved any help with our situation.

I find that it was very unfair that Wells Fargo would ding us on our credit, it was not made clear to us that we would still owe a past due amount at the time of the first call. If we were made aware we definitely would have paid the past due amount at that time. I am requesting that the last 2 late payments for XXXX and XX/XX/2021 to be removed from 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 2022-11-07
Company: Experian Information Solutions 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:
This is XXXX XXXX and I am submitting a complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} EXPERIAN BUSINESS CRED XX/XX/2021. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon, I got a debt collection letter with fraudulent charges from Transworld Systems Inc and XXXX, they are claiming {$740.00} dollars for an item that I bought from XXXX and was refunded because XXXX lost the package, the package was suppot to be delivery the same day or next day because the sender is in the same state ( florida ) but the package goes to XXXX witouth reason and they XXXX as delivery in XXXX, XXXX tried to recover the package for 1 week and finally they told me that the package was lost, I called XXXX since the day one when the package was going to the wrong state and the package was traveling for every single state in the US and XXXX never holded the package in a station after my claims, now they send a debt colletion letter 3 months after the package was lost and I got less that 1 month for paid the scam amount due if not they are going to report to the credit and impact re credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates , LLC Account # XXXX for {$640.00}, Date of first delinquency : XX/XX/2018. Five years in Kentucky. 

I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in Kentucky has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with XXXX XXXX two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 extremely mad because I've been calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

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 2023-07-12
Company: January Technologies, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ordered an indoor cycling bike from XXXX XXXX XXXX XXXX during the pandemic. The bike arrived and after assembled it did not work properly. I returned the indoor cycling bike to XXXX XXXX. Although, the bike was defective they have charged me {$890.00} for shipping and the product did not work. 

I dispute the debt in question as this is not an amount I should be responsible for since this product was defective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: MI
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:
Know that the following inquiry was not authorized. I have not reached out to to this company nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiry that isb unfamiliar to me. 
XXXX XXXX Date of inquiry XX/XX/2021

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 2021-03-10
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results

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 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Capital One XXXX XXXX XXXX or Successors XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CC Capital One Customer Advocacy Office XXXX XXXX XXXX XXXX, VA XXXX Is still Reporting fraud accounts on All 3 credit bureaus XXXX, XXXX & XXXX XXXX XXXX 
Capital One is violating my rights & breaking the law. They have not followed the law providing any legal proof of these false accounts in 30 days & its been 5 months & consistently break the law by not removing them. Capital One uses their corporate Billion dollar company status as a bully, instead doing the right thing & helping a victim of ID Theft! The fraud they continue to report is causing me & my family stress & hurting my future credit goals. I WILL NOT STOP UNTIL I GET JUSTICE! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
HSBC advertises an account bonus of {$600.00} ( $ XXXX  monthly ) after account opening. I opened an account on XX/XX/2021 and expected first bonus in XXXX. I contacted HSBC last week XX/XX/2021 and was told they need to check their back end. I have not heard back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX BANK XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXXA XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXT XXXX Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputing with XXXX two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX XXXX, Transunion and XXXX XXXX. XXXX XXXX asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX extension XXXX at XXXX XXXX have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted XXXX with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX XXXX  and Transunion and still nothing. 

Please investigate as I need Both charge off accounts for XXXX XXXX needs to be Removed!! 

Thank You, 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 2021-06-17
Company: Mountain Run Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The social security number that they have on file isnt mine. I tried to contact the company via phone and also sent more than 10 emails and none were responded. I have been trying to resolve the problem for over 4 months but without success. 

I need them to correct the social security number on the systems to start reporting my credit. 

Please help me

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