BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my bill, which was over {$10000.00}, in full through a third-party payer, which is usually how I pay it, and the payment was received by the credit card company, Bank of America XXXX and the same day or the next day they also, on their own accord, removed the identical amount from my private bank account, and then went ahead and just credited the amount to the Credit Card XXXX This occurred more than 2 weeks ago, and I spoke with them and they claimed it was impossible that something like that could occur on their end, and that I must have gone into their banking app and paid it, in addition to the payment that I made through the third party payer, which NEVER HAPPENED. They said that they needed to investigate it to reverse the payment and put the money back into my account, but that has still not occurred. 

Even if they do so, this is a theft. Whether this was a glitch in their system, or the result of an intentional act by a Bank of America employee, my checking account was severely overdrawn as a result of their actions. I am owed interest, or some other form of compensation, in addition to, of course, the return of the initial amount they wrongly removed from my private banking account. For your further information, they had my private account information in their system as I had paid a couple of bills directly that way.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attached an FTC report with a collection that is reporting as open which is illegal and a collection can not be an open account, they continue to change it to closed and then they change it back to open this is illegal and there are unauthorized inquiries I have sent in multiple times and they do not do anything about them

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 2018-04-04
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 2 ) National Credit Systems Inc XXXX XXXX XXXX XXXX  GA XXXX Bond number XXXX Amount reporting {$3000.00} Date of reporting XX/XX/2012 XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-09-22
Company: DISCOVER BANK
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I left for a work related trip and hired a house sitter through a XXXX add to check in on my home while I was gone as I would be gone for a week and didnt want to leave things completely unattended. Her reviews were good and it appeared that she checked out so I felt comfortable with our agreement. While I was gone she had hacked into my XXXX account and used my Discover card to make XXXX different XXXX orders. These order were delivered to my home where I am assuming she collected them. When I got back from my trip I discovered my house an absolute disaster and many of my belongings gone through. I then discovered that she had made the purchases and called Discover right away to report the unauthorized transactions. I also sent report of this to XXXX as well. I called Discover on XX/XX/XXXX to find out if there was an update about my case because I saw the charges had been added back onto to my credit card and I was waiting for them to send out a form to sign verifying that these transactions were unauthorized. I was told by the employee that this was just because the case had been moved to a closed status and I would see the final credits be posted to my account and not to worry the matter had been settled in my favor. I called back a week later to see when those credits would be posting and was told that they wouldnt be because discover denied my dispute. I spoke to another employee who explained to me that they could send the case to be evaluated again and that the reason that it was denied was because the purchases were made using my XXXX account and since they couldnt prove XXXX made a mistake they couldnt dispute it. I provided an email that was sent from XXXX on XX/XX/XXXX confirming that there was unauthorized access to my account to support my case. I called back on XX/XX/XXXX to verify where the case was standing and they told me I was again denied because the email I sent to support my case was so much later than the instance. I was denied the right to see the documents that they used to make their decisions and stated all they could send was a letter explaining the reasons. They also denied my the opportunity to sign a written dispute confirming authorized transactions were placed on my card. During one of my conversations they had admitted that they had received credit back for some of the transactions and they failed to pass any of that on to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MA
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:
15 U.S. Code $ 1681c-2 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. I am a victim of identity theft!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Due to XXXX data breach my information was sold, bought and traded illegal, you guys need to be compliance, in my knowledge CRFA state that accounts and collections must be complete verifiable accurate it can not came off of one credit reporting agency and stay in others.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In order to REMIND the TransUnion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that TransUnion BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: NJ
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 have a chase card thats closed as a charge off. This card is fraud and most likely used without my consent. Ive disputed the company for fraud but still shows up on my report. Received letters in the mail that this account will be immediately removed. Balance of {$1100.00}. Closed in 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I made a purchase at XXXX XXXX. I ended up getting their store card which is done through TD 's renovate credit card. We were there shopping for a long time, like almost 5 hours, and ended up buying for several rooms. We were negotiating along the way, my mother in law was negotiating with the sales man, and they kept drawing up new sales sheets, like it will be this much if you buy this stuff, it will be this much if you buy this stuff, and at the end when we made our final decisions, errors were made in copying prices over from the several pages. The receipts I have at home reflect three prices and can't be understood well, and I did say something at the store but they said don't worry, only the tax was charged today and the store card will be charged the correct difference in XXXX and you will get the bill in XXXX ( the store was closing in XXXX, even though we were shopping in XXXX ). We agreed on {$3600.00} flat but they have overcharged us. They charged us a " deposit '' that same day which we were told was equal to the tax of the items. We were charged {$340.00}, but this tax amount is the tax of a {$3800.00} subtotal. {$3600.00} less {$340.00} is {$3300.00}, which is what I expected the store card to be. I was told in store that my payments would be {$55.00} for 60 months, but when I got the bills it ended up being {$53.00} for 72 months. That is a whole extra year of money. When the furniture arrived in XXXX, except for the mattress, it did not seem like new furniture. The dining tables and chairs had scratches, and we bought 4 shelves that were also scratched up and missing the finished top that it had in the store. Also, our entry doorway molding was damaged, our hallway walls were scraped up, bedroom walls also scratched, wood flooring in living room and bedroom scratched up. I have tried to contact both the company and the creditor and this does not seem important to them. At first I didn't make payments, but I saw my credit score going down and they kept charging late fees so I started paying the minimum but I really think this situation is unfair and they are holding me hostage to a higher than expected bill, plus damages I shouldn't be responsible for. I don't know what to do and found your website through internet research. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023, XXXX XXXX XXXX  received {$740.00} from XXXX XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) FEIN XXXX, received the amount on the same day. After couple days, XXXX noticed that XXXX account suspended due to a fraud activity. Wells Fargo insisted that it was filed by the sender 's Bank ( XXXX ). The sender and his bank did not file a complaint. Wells Fargo not giving any answer who filed the complaint. It is a serious matter because people sending money through XXXX. It will not be possible to change the email because it is attached to website of XXXX. It is requested that the XXXX account should be restored on the ground that there is no fraudulent activity.

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 2021-01-13
Company: PCR Group
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Account Adjustment Bureau Inc stating I owed them {$15000.00}. I have no knowledge of this account or dollar amount and I strongly believe it may be a fraudulent account or mixed file. I asked the collection company for debt validation and other documents presented by me including signatures stating that I agreed to pay them this amount. The collection company has failed to do so and has been repeatedly calling my phone and my place of employment harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: ENOVA INTERNATIONAL, 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: Account status incorrect

Complaint:
I just found out about the error when we refinanced our house about a month ago. 
I did not know what NC Financial was on the credit report stating I owe {$540.00} I showed them the letter they sent me in XX/XX/2021 showing I paid off the loan. Around XX/XX/2021 they reported me to the credit bureaus as owing them money. I contacted NetCredit and they deny they reported me. I showed them my credit bureau report from XXXX  and gave them a snippet of the NetCredit owing account. They stated the credit bureaus created that item, not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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 have submitted numerous " certified letters '' to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding a medical debt collection account- XXXX XXXX XXXX that is not mine! I even submitted a letter from " XXXX XXXX XXXX  '' stating they have no account with me as proof! I have been getting return letters stating my account has been " updated and verified ''. I have asked numerous times for Experian to provide me with the paperwork and measures they went through during the investigations process to verify this account.??? I know this account is not mine and I have submitted proof numerous times backing my request. For some reason, I keep getting put through this never-ending circle of " verified '' letters that are not actually properly investigated. I'm fed up and want some answers or to provide me with accurate information on this account. I know this is not my account and that is why I have fought so hard to get this off! Not only did Experian, not investigate my account, but they also updated and verified, and created an entirely new account on my credit report that is the SAME collector. ( XXXX XXXX XXXX ) Now, not only am I fighting one account. NOW THERE ARE TWO!!! This has to be the most irritating and draining dispute I have ever had to face. I know these accounts are not mine and I am just asking for due diligence to correctly investigate and get these off my credit report as my credit is very important to me. 

Thank you for your time in helping me get past the dang robot on the other end of Experian.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to delete these accounts because the information was incorrect and I was a victim of identity theft : 1. XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-05
Company: WELLS FARGO & COMPANY
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:
Company wells Fargo is lying telling me I wanted to pay in full I already made settlement now they're saying I wanted to pay in full which is a lie why would I pay settlement and then pay in full doesn't make sense.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.

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