BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I submitted a complaint with the company inquiring validity of the debt, I have not been contacted since. The debt that they are saying I owe is dated back 7yrs ago. I believe my information has been compromised and has been purchased by this company to obtain money from me. This company is making fraudulent claims that I owe a debt that does not exist. In addition I researched this company and they have an extensive number of complaints relating to my matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 an attempt to correct my XXXX, XXXX, and Transunion credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.

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 2020-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am an XXXX. I won {$1000.00} from Bank of America for improperly charging fees. I think this is a bigger more widespread problem than just what my client  had. 

To learn more, please read my attached memo. 

Then maybe we can work together to fix things. 

- XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had multiple issues with Wells Fargo and their claims process. 

Situation 1 : In XXXX and XXXX of XXXX I had {$23000.00} used on my debit card for companies in XXXX. At the time I was in XXXX, SC which other transactions would show and I did not receive a single notification asking if I authorized these transactions. I didn't get any feedback the entire process nor did I get any provisional credit. I received a notification that my claim had been denied and when I called in they did not give me any specifics. I have never been to XXXX and these transactions should have been flagged immediately. 

Situation 2 : on XX/XX/XXXX I disputed a XXXX transaction due to not receiving the merchandise I purchased. Once again, I received no update other than my claim has been denied. 

Situation 3 : I had a fraudulent loan taken out under my name so I informed the company they can not withdrawal payments from my checking account. The third-party company withdrew 3 payments of {$800.00} and Wells Fargo once again denied my clam even though the third-party company illegally withdrew funds from my account when I told them not to. 

Situation 4 : On XX/XX/XXXX someone used my debit card to make purchases from XXXX in the amount of {$4100.00}. I received a provisional credit and assumed my claim was approved. Two months later I was given a few days notice that my claim was denied and they were taking {$4100.00} out of my account. When I called and asked for more specifics all the agent had to say is they had a picture of my license. I didn't have any opportunity to defend myself or even get a respectable notice that my account was going to be reduced by almost {$5000.00}. 

I have been banking with Wells Fargo since XXXX and I have had a total of 6 claims. 5 out of the 6 have been denied without any explanation and with a total loss of around {$28000.00}. The fact that I am not able to speak with the investigators or even get updates is appalling to me. Faithful customers who have had no prior claims shouldn't have to sit here and wonder if they are getting their money back, and be left in the dark on why it was declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a business checking account with chase. On XX/XX/2022, i noticed several charges from XXXX, these are all amounting to atleast {$1000.00}, I called Chase Bank and filed a fraud claim. This bank account/card is never linked to XXXX, nor did i use XXXX sevices that day since I was at work. THERE ARE ATLEAST 27 transactions only for that day. 
I am a XXXX at the XXXX VA XXXX, that day i was working XXXX to XXXX and theres no way i could have taken those rides, nor someone else. no one else has authorization to use this card. I was reimbursed. 

Until XX/XX/2022, all these reimbursements were charged again on my business account. I called Chase and they told me, XXXX denied my claim due to " a physical card was present during these transactions and that someone might have my card number. '' -- i requested to re open the case, I also contacted XXXX. XXXX did reimbursed me 13 of these transactions, but not the other transactions that are still amounting to {$790.00}. I contacted XXXX and they told me, they already issued me a refund, they did not answer my question regarding the other transactions that Im waiting to get refunded for. I also contacted CHASE to reopen the case. I submitted myt timesheet at work as evidence. Its been a month and still this issue is still not resolved. 

Thank you and Im hoping that this matter gets resolved. 

i am attaching a copy of my bank statement and I highlight the transactions that are still not reimbursed to me by CHASE AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-19
Company: EQUIFAX, INC.
State: PA
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 WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: KS
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:
Bureau is illegally reporting inaccurate information in violation of the law 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX/ XXXX  account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not.

the original debt XXXX/XXXX  account is listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX  as a debt unpaid is both fraud and illegaXXXX XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported

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 2021-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today I woke up and had a XXXX dollar overdraft fee, but my account has never once been over drafted This is a ongoing issue with citizens bank Where they charge you an overdraft fee by putting you direct deposits that come the same day as transactions on your account after they overdraft it, even though it says its there Then they argue with you to try defending it because according to them they can see things I cant, which Im sorry no matter how many XXXX transactions are on hold its for sure not more than whats in my savings at the same bank that keeps doing this to me, and that I always ask if they needed it why didnt they take it outta my savings instead of giving me a fee? Theres not any record of my account actually over drafting, and they wont remove it I took pictures, theres not a single time it was red Theyre trying to say it was because of the charges that cleared on the day the direct deposit was made But realistically both payments made to city taxes completely vanished till today and showed back up, which Im also tired of them making things vanish for days so you cant account for them then magically putting the transaction back I manage my account very tediously and they are using deceptive means to gain overdraft fees from people who didnt earn them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
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:
Around XX/XX/2022, my Bank of America Visa credit card was declined. I logged into my BOA credit card site and could not access the account since it was closed by Visa. I called the number on the credit card and spoke to a customer rep. She stated that there had been suspicious activity on my card and she closed that account. She was to sent me new cards with a new account number, which she did. While she was opening the new account, I was able to see my billing statements. It showed an " ACH payment refund '' on my XXXX bill. I told the rep that I did not authorize this and didn't even know what it was. I told her that I was disputing this transaction. Over the following 3 weeks, there has been no indication that the charge had been contested. Because of this, I have had about 7-8 telephone calls with Bank of America Visa XXXX all with various reps and occasionally with the fraud dept. ( so I was told ). These call have often been over an hour and one time two hours, mostly on hold. If you are placed on hold too long, the call is transferred to the beginning of interaction and you have to start over again with a new agent. To date, I have not had this unauthorized charge removed and I have been charged interest for 2 months. I did receive 2 letters dated XX/XX/2022 and XX/XX/2022 ( enclosed ) but the second letter 's resolution makes no sense to me. No one I called was able to explain it to me. 
Apparently this is not a new fraud for BOA Visa. This website from about a year ago basically states the same thing that is happening to me. So BOA Visa knows of this scam yet is unable to train its reps to handle this problem. 
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 monetary relief
Consumer complaint received 2021-06-30
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a vehicle that I purchased XXXX XXXX financed through XXXX XXXX. The vehicle was stolen in XXXX of 2016. I did file with my insurance company. Insurance paid some but left a balance. XXXX XXXX wanted insurance to pay an amount that was much higher on a XXXX XXXX XXXX vehicle as if it was brand new, insurance company refused.Insurance company sent them a check for what the vehicle was worth at the particular time. XXXX XXXX then sold the account to Ncb Management Services. After sometime I noticed Ncb Management Services had not only added this debt to my credit report but also listed HOME FORECLOSURE as well. I have not ever had a mortgage. I have contacted them about this and they will repeatedly avoid discussing the issue / or will advise me that it was not them that listed the foreclosure on my XXXX Credit Report. Listed on my credit report following the debt has Ncb Management Services as the furnisher of information regarding this FORECLOSURE. I have called to correct this several times and they will avoid me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: LA
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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Wells Fargo customer since about 2006. There have been countless times over the past 17 years that my account and/or debit card have been frozen, transactions were debited from my account in such a way as to overdrawn the account and cause me to incur overdraft fees, and a {$700.00} paycheck was even held for the weekend after they initially cleared it.The employer is XXXX and a Wells Fargo customer as well. Customer Service told me i had to wait until the funds " were collected '' before they could release them. I worked for XXXX for 4 years. I saw the 'back shop ' hold customer 's checks so many times for longer than was necessary, even longer than our policies suggested it be held. They are just as dirty today as they've ever been and if there is any way to hold them accountable, then I'm all for jumping on that bandwagon.

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 2018-02-14
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Exeter Finance sold my loan to XXXX XXXX XXXX and only got a letter in XX/XX/XXXX from Exeter Finance and XXXX XXXX XXXX   place my account on credit bureaus with out mailing me anything no letter nothing by law I have 30 days to dispute the amount or the situation of the loan. 

Exeter Finance has bought back the loan and by law broke a lot of my rights with this loan and has yet to clear them up in a timely matter.

Company response to consumer: Closed with explanation