BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2019, I bought a tank of gas from a gas station in XXXX, XXXX XXXX XXXX with an XX/XX/XXXXXXXX credit card underwritten by Bank of America. I understood the correct charge to be USD XXXX but my credit card was charged USD XXXX, 100 times the correct charge for a tank of gas. I reported the fraudulent charge to Bank of America. They delayed processing my fraud claim, switching the claim to a billing dispute months after I had reported the fraud, and then proceeded to rescind the charge and reapply the charge multiple times. I have spent hours on the phone and spoken to 11+ fraud and billing dispute representatives to no avail. I have refused to pay this fraudulent charge and so of course my credit score has been decimated, going from excellent to poor. I need assistance.

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 2023-08-01
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
On XX/XX/2023 I called to dispute charges on my account. 
Here are all of the people I spoke to : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX of them could help me complete my task. XXXX gave me the number for the " dispute department '' which was XXXX. 

Then I was transferred by him to XXXX, who said she is a customer service rep in the credit department. 

She transferred me to her supervisor XXXX, who said she is trained in handling disputes. I didn't want to talk to her and wanted her to transfer me directly to the dispute department. She refused several times. 

She hung up and I called the XXXX number and spoke with XXXX XXXX who said she was in the Account Services department and could not process disputes. 

Then she said she would transfer me to her supervisor. After more than XXXX minutes on hold, I spoke with XXXX, a supervisor in the " credit area '' from Florida. 

He was unable to help me, so I asked for his supervisor. He said all of his supervisors were unavailable and that it would take XXXX to XXXX hours for a a supervisor to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-12-20
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:
Equifax did not investigate an account on my credit profile for XXXX XXXX XXXX XXXX this is nt my account and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: WELLS FARGO & COMPANY
State: MN
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 rewards from credit card

Complaint:
My company, XXXX XXXX XXXX XXXX and me were issued a credit card by Wells Fargo account number ending in XXXX. That account awards points based upon account activity. Account information is provided on the website. The website states on many points I have. In XXXX, Wells Fargo deleted XXXX points as expired. All of the transactions are viewable on the website for the account. Nowhere on the website that I could see did Wells Fargo warned me that any of the points would expire. Since all the transactions are on the website there is no need to look at statements. I note that statements posted to the website separate and distinct from the website pages contained in a small print that points would expire, which statement is separate and apart from the table that they provide for points earned and used and at the end of a long paragraph. Nowhere on the table for points earned is there any statement of points to be expired, no asterisk or footnote or any indication that points would expire. An obvious attempt to obfuscate the fact that points would expire with the obvious intent that cardholders not use their points. The failure to state points to be expired on the website, was fraudulent and misleading and contrary and contradictory to the statements published on the website. As result, Wells Fargo should reinstate the expired points or pay me the value of the expired points. Even if the statements would otherwise arguably be sufficient, note that Wells Fargo made the effort to highlight the amount due, but never did the same for the number of points to expire. A further indication of an attempt to obfuscate the fact that points would expire and therefore attempted to defraud the cardholder from the use of their points.

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 2023-06-30
Company: Experian Information Solutions 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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$28000.00}.

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 2020-12-18
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 would like to say that I do not recognize these accounts, and I am requesting that you delete these accounts as I do not know how these items appeared in my profile.

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 2021-09-09
Company: Experian Information Solutions 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:
On XXXX, XXXX, XXXX a collection account has been falsely reporting on my credit report by your office and you are being held responsible from here on. I have the right by the credit act to dispute wrong inaccurate information hurting my credit report coming from XXXX XXXX XXXX By 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that con- sumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX account # 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 agency can not furnish an account without my written instructions.

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 2023-06-30
Company: Experian Information Solutions 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2021-12-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EQUIFAX. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C XXXX ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It was some small unauthorized deposits made into my account that I had any control of or anything to do with. I never did business with these people and I have no idea why this happened. In result Navy federal closed down my XXXX  account permanently. I feel this was very unfair for me to get punished for something I had no control over. I feel the bank is supposed to protect my money not punish me for my account being hacked. I very upset with this matter. I can't believe what has happened. I want to matter looked into, and I want to make sure I report to matter because now I feel is my money is not safe with institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00}.

Company response to consumer: In progress
Consumer complaint received 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
I have been a Bank of America customer since XXXX and now a victim of fraud. I only have the one credit card with them and no other accounts. My balance on XX/XX/XXXX was {$350.00}. 
On XX/XX/XXXX, I was notified of suspected fraudulent activity. Here is the timeline of events for resolution : XX/XX/XXXX - went to the local branch after the notification. The bank associate informed me that an online checking account had been opened in my name on XX/XX/XXXX. 
{$4900.00} was transferred from card to newly opened checking account, and immediately {$1900.00} was transferred through XXXX to an account ( Conf # XXXX ; XXXX XXXX XXXX XXXX  XXXX ). 
A fraud claim was opened on the checking account by BoA on XX/XX/XXXX. 
They cancelled the stolen credit card and issued another card. The stolen amount was then added to the newly issue credit card plus fees from the XXXX transaction bring my balance to ( {$5500.00} ). 
On XX/XX/XXXX BoA informed me that their research had determined that I was not the person responsible for opening the fraudulent checking account, and closed that account and claim. 
After numerous calls from XX/XX/XXXX - XX/XX/XXXX to the BoA fraud department they finally opened a claim on the stolen credit card on XX/XX/XXXX. 
I have continued to make payments since XXXX on my original {$350.00} total before this all happen. 

Please let me know if you need any copies, or more information 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 monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received alerts to my cell phone about unknown inquiries. I am not liable for them. Please investigate and remove from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-30
Company: Experian Information Solutions 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 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-01-11
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive phone calls from Capio Partners and when I ask have I done business with them directly, they will not respond. They repeatedly ask me for my date of birth, I have no idea who this company is I have asked them to mail me correspondence from their company and they still haven't done so. I have told them I am I have had my personal information exposed on the dark web and I will not provide information to a company that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called two times today to see about a credit card I ordered for a worker. I ordered the card about 2 weeks ago. 
I first talked with a XXXX ( I didn't get her name ), she said she is the wrong department and transferred me, where I was on hold for more than 10 minutes. I hung up. 
I called the number on the back of my card again ( XXXX ) and spoke with XXXX XXXX. The call lasted about 36 minutes and she could not help me. I asked to speak to her supervisor, she placed me on hold and I did not want to wait more than 3 minutes because I am working, so I hung up. 

The customer service skills, listening skills, and general attitude of not caring shown by XXXX XXXX makes it apparent to me that American Express does not care about its customers.

Company response to consumer: Closed with explanation