BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX XXXX Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with XXXX XXXX. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a XXXX  XXXX XXXX injury. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted XXXX XXXX advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from XXXX XXXX telling me that they had turned the matter over to a collection company by the name of Nationwide Credit. Since then I have received threatening correspondence from Nationwide.  Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies.

According to the CCPA of 1968 as well as the Americans with Disabilities Act and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of XXXX XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by XXXX XXXX and Nationwide Credit. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.

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 2021-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I have a credit accounts with Bank of America. Since XXXX I have been trying to solve a fraud that was committed with my credit card number : XXXX XXXX XXXX XXXX and I am still not satisfied with the responses I have received from the bank. 

The first time someone used that credit card was on XX/XX/2018, at XXXX # XXXX, XXXX, IL that day they paid a total of XXXX, then in that same place they paid XXXX at that same XXXX, on same day at the XXXX XXXX # XXXX store ( XXXX, IL ) they first spent XXXX and then they spent {$33.00}, then at XXXX XXXX XXXX they spent XXXX, then they used a XXXX XXXX XXXX for XXXX and finally at the XXXX XXXX store they spent {$28.00} for a total of {$2900.00}. To inform you of all the expenses of the fraud, I am attaching a document from the bank. 

I have my own car, so I don't use taxis, I don't frequent Down town, since I live and work in XXXX, so my life takes place in the West of the city of XXXX, so I don't understand how these expenses were generated in my credit card. 

I presented my concern to the bank immediately when I discovered this situation, so I made a call on XX/XX/2018 and the bank decided to remove those expenses from my credit card, but the following month to my surprise they put these expenses back on me account, without prior notice, so I am not satisfied with this attitude of the bank towards me, I feel that this was mistreatment, I am XXXX and it has been very hard for me to communicate with the bank in this management. So when I saw that the expenses had been placed again I went to the bank and then they asked me to make a police report, which I made and delivered, they spent a long time without answering me and then I received a letter from the bank without a date like in the month of XXXX is as more or less I remember and in that letter they told me that I have to pay the sum of XXXX without even an explanation about the investigations that the bank did to make this decision. 

It has been a long time but ago but I have heard from this Consumer Financial Protection Bureau and I have decided to open a complaint against the Bank of America and have this case investigated accordingly.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2023, I check my XXXX, XXXX, and TransUnion After revising my credit report from all credit bureaus the information about an bankruptcy has Inaccurate information from all 3 credit bureaus. 


On XX/XX/2023, I sent out letters to the 3 credit bureaus to remove Inaccurate information from their systems and other third parties. according to the 15 USC 1681. The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1679c ( a ) - Disclosures The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.

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 2020-07-10
Company: 391 Financial, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i applied for a loan they told me to fill out the online app i did they said that i was pre approved for XXXX all i had to do was give bank vitrifaction. i did the verification they received and has access to my account couple hours later i received the first email stating i was approved. so i signed the loan agreement papers stating how much my monthly payment was going to be and had the final amount and how many payments it was going to take to pay off loan amount which i agreed to i received an signed and sent back. 30min to 1 hour later i received another email stating i had money waiting for me, so went on break at work called my sons wedding plan to arrange final payment got off the phone with her decide to sign into the account and saw the denied on my loan after being told approved 3 times and signing the loan documents. dirty misleading and put a financial bind on me and my sons wedding plans. if it wasn't for the wedding id sue ive got copies and emails of this misleading issue. they think it's not a problem to XXXX with someone's personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BARCLAYS BANK DELAWARE
State: NY
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:
this is a dragged out Dispute which has been lingering for over a year in XXXX oXXXX XXXX, i purchased a bicycle on a website promoted by face book the original charge was for $ XXXX did not feel comfortable with the purchase because i did not recieve a trackin # for the item which i had paid additional for express shipping. I called the credit card company and the filed it as a fraud case.i still recieved a bill and expected to pay it .months later i recieve a cheap XXXX fitness rubberband, althought the package did note state the name of the company i purchased the bike from, i am sure it pertained to this purchase. clearly a scam.I disputed the charge as i did not recieve what i paid for. the credit card company barclays bank Jetblue mastercard decided with the merchant, I appealed and after a year they once again sided with the merchant my bill is now doubled in interest and late fees.Most of these ridiculous dissisions are from incompetance of the employees which i have witnessed try to resolve the dispute.i am not sure on how this will help me without have my personal info

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2021-05-21
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Agent named XXXX called me XXXX XXXX today after XXXX hour wait!!!!! He shut off my card to be dirty. LOCKED ME OUT OF MY ACCOUNT! This is regards to current complaint for XXXX $ charge. THIS IS APPAULING! I WONT BE TREATED BY A XXXX OVER HERE IN TEXAS FROM XXXX!!!! DIRECT EXPRESS CALLED ME PER CONSUMER PROTECTION AGENCY WHO WAS ALSO ABUSIVE ALSO!!!! UNLOCK MY ACCOUNT!!!!!! NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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 mailed my dispute to XXXX to remove or verify negative accounts listed on my credit. XXXX has been reporting negative items that have caused a lot of harm to my credit. I called and mailed the companies that are negative ; XXXX said the account balance is {$0.00}, so why is it listed as {$240.00} on XXXX? 

XXXX can not verify anything because they dont have a contract or any other verifying information, I have requested it over five times ; however, I have not received anything proving I opened an account with this company. I also asked XXXX  for the information that was used, that request has been ignored every time. 

Equifax and XXXX have did their due diligence and removed these fraudulent accounts. XXXX keeps lying to me and stating that they verified the information and its accurate. That is impossible due to the facts I have gathered. 

This proves that there never was an investigation and violates my consumer rights. 

I called XXXX and the rep hung up in my face. My Fraud Resolution Specialist has not helped and does not answer my calls and emails. I asked for a different person to be on my case and XXXX told me someone would be calling me. No one ever called. I have written several letters that go ignored, at this point I will have to file a lawsuit to get a fair investigation. 

Equifax has also ignored me several times and lied on the phone saying I could upload supporting documents online and that they cant accept any faxes. You can not upload anything online. But you can find the police report listed here to help you out with the investigation. 

Im tired of my disputes being ignored by the credit bureaus. They have ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Background : On XX/XX/XXXX, I went to Wells Fargo bank branch in XXXX XXXX to close my preferred checking account that I have had for over 19 years. 

Banker discussion : XXXX XXXX XXXX ( Wells Fargo banker ) suggested : - to change my checking account from preferred to Everyday checking And after explaining to me it is best suited to my situation. 

The issue : Today I received a credit report that indicated Wells Fargo ran a hard credit check on me without notifying me. Accordingly that action has harmed my credit and lowered it by XXXX 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 explanation
Consumer complaint received 2021-05-21
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has taken advantage of a shift in my financial situation. For a short period of time of about a week, I let my account stand still and the bank has charged an abnormal amount of fees on overdraft charges. The charges in question are debit card auto transactions at were allowed to pass by Chase due to opportunity for financial gain in the form of a fee. A XXXX USD charge should not warrant a XXXX USD fee along with 3 or 4 others, within a few days time. I had spoken to a representative and was waived 3 overdraft fees plus a monthly service of XXXX USD for not having consistent direct deposits on the account. 

I had a discussion with the representative about why some recurring charges are continued to allow to process with no funds, and I was advised it is at the discretion of the bank. I dont see alot of discretion because everything is allowed through to put me, the consumer, at a disadvantageous position because now I owe the bank fees for something that should not have processed at all. Although policy may be codified in terms and conditions, this doesnt make what I and Im sure millions of other customers, fair. Im sure terms and conditions dont absolve Chase from regulatory oversight of their predatory fee structures. 

Chase makes billions in overdraft fees each year, and off the backs of lower income citizens. There was a study spearheaded by CFPB thay showed Chase raked in 7x more in overdraft fees in 2020 ( in the pandemic mind you ) than their big bank competitors. Of the billions raked in, only 9 % of accountholders were responsible for paying those fees. That is absurd. That is targeted and predatory. I can fathom the weight behind such a fee structure having been on the receiving end of these fees in not even a freakin weeks time. 

Ive been with Chase for like 17 years, and this sequence that I experienced with them makes me feel slighted and drowned out in a sea of nameless customers in their big bank. They would fee me to my grave if they had it their way. I feel their fee structure is a XXXX violation, its abusive and unfair. Why would it be ok to fee someone so egregiously while they are potentially facing hardship, its really unfair. 

Here is a link to a mention of the study I reference : https : //www.warren.senate.gov/oversight/letters/warren-booker-maloney-blast-jpmorgan-chase-bank-of-america-and-wells-fargo-for-continuing-to-profit-from-overdraft-fees-that-target-low-income-americans * I can not as of today access my closed checking account with Chase, but if needed I can request statements or records of the fees mentioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
On XX/XX/2022 I was notified of an alert to my Experian, XXXX and XXXX credit report of a XXXX XXXX XXXX. I placed in writing all information to support the claim that this information was not of my knowledge. Experian did not take the proper steps to ensure that the information was correct therefore leaving me to be embarrassed, and in distress of this situation. This has caused me to seek medical help for anxiety as it has caused me to be stressed.

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 2022-10-17
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 fraud alerts or security freezes

Complaint:
We have been trying desperately to contact Experian and any of their live representative because my credit report is wrongfully somehow " frozen ''. However, I log-in to my Experian account online to ensure it is " unlocked and unfroze '' and also called the and Experian " chatbot '' electronic answering machine already confirmed that my credit report is " unlocked '' and " unfrozen ''. Which means if my report is " unclocked and unfrozen '' there should not be any problem why the mortgage company can not pull my report. 

The reason we are trying to make contact with a live representative is to find out in real time why my credit report is " unlocked and unfrozen. Myself and the mortgage company has been trying to call them ( Experian ) for the last two ( 2 ) weeks but each time we fail to talk to an individual representative to correct the problem and continue with the refinance process.

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