BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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 used my Bank of America ( BOA ) credit card to make a transaction on two products on XXXX on XX/XX/XXXX. However one of the product was received not as described in terms of color, pattern and quality. The amount for the product was {$260.00}. I followed XXXX 's instruction and returned the good on XX/XX/XXXX for a refund. I paid for the shipping {$150.00} as XXXX team said they will reimburse me after the product is delivered. But the seller refused to pay the custom tax, which caused the product being stuck at XXXX custom for about XXXX months, and the seller has been ignoring my messages since then- they are avoiding the product to be delivered to them. 
Now the product is on the way back to me, and I still did not receive it, it has been XXXX months since I initiated the return, really exhausting by contacting seller, XXXX and my bank. In order to protect my consumer rights and my money, I submitted a claim to BOA to hope get the money back from bank because the item was not as described, which should be a valid reason as I did not get what I was purchasing for. On the other hand, I attempted to return it even though it wasn't successful due to seller themselves. However, BOA rejected my claim ( on the phone ) by saying that the product was not actually delivered back to seller even though I explained in my dispute letter and provided evidences how the seller was the one refusing to receive the product. 
I am hopeless right now, I thought my bank at least could help me protect my money in such cases which the seller was tricking the system. Now the seller/Aliexpress is not refunding me anything and not reimbursing me anything. I've lost {$400.00} in total and I lost the product as well. The way how BOA was handling their customer 's dispute was not professional, they should help their customer secure their money.

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 2018-08-29
Company: EQUIFAX, INC.
State: NY
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 be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, Experian are reporting inaccurate information of student loan that aren't reporting correct to all three Consumer reporting bureaus. This not a request for an update only a request to remove the inaccurate information once again this not an update. My Student account information is inaccurate. This not a Credit repair Service I don't want nor need a repair service that I can't fix myself. Your in violation reporting inaccurate information. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-08
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
About 2 years ago, I received multiple phone calls and mails claiming that I owe over {$14000.00} to CitiBank. First of all I never opened an CitiBank account. I even went to my local CitiBank and asked them about it and they said that there is n't any account under my name. Then recently I got another letter, so I went to my local police station and they said I needed more information to file a report. I wrote to the debt collector asking for the bank statement and they sent me an account summary which states that I have been a member since 2012 and used a Citi ThankYou Preferred Card. What is my next step?

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 2023-03-06
Company: Experian Information Solutions Inc.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I went through the drive through of Chase Bank XXXX XXXX XXXX in XXXX illinois XXXX. XXXX was the teller that helped me. I filled a withdraw slip for XXXX and requested a XXXX cashiers check. I received my cashiers check and my money in an envelope and continued on with my day. Later on when I was transferring my money from envelope to my safe I realized that it was a total of only {$6300.00} in the envelope. I was shorted {$500.00}. It was too late in the afternoon do I could not return to the branch. On XX/XX/XXXX, I returned to the branch at XXXX XXXX. I was treated horrible and was basically told that it is not their responsibility as it has been 24 hours. I then requested that the cash drawer and money counting machine be audited. I left and then gave bank a call about their findings. The manager got onto the phone and expressed to me that the drawers and money machine were audited and everything appears to be ok on there end. I then asked if the videos could be reviewed because somehow, my money was short. He basically brushed me off, accused me of lieing, and said he will see what he can find, but reminded me that it was the weekend and probably nothing would be done. I know that the money was missing. I do know that it is on the bank because I know where me and the money were after leaving the bank and it is not possible that anyone took it or I misplaced it. So I am currently just out XXXX and was told when it is convenient for him, he would look further into it. If they review the video, or attempt to care, we may be able to find out what went wrong!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated from XX/XX/XXXX, XXXX XXXX, XXXX. My former roommate burglarized my home and stole my truck with my wallet and cell phone being amongst contents stolen. It gave access to my bank account. I filed a dispute with Wells Fargo on XX/XX/2023 for all transactions during my incarceration. When the dispute was filed I was told I would need to be willing to cooperate with the institution 's investigation as well as be willing to pursue criminal charges if necessary. I filed a police report in both XXXX XXXX and XXXX XXXX. There were also two reports made while I was incarcerated regarding the burglary of my home and theft of my vehicle. I was also informed it could take up to ten business days to receive the funds in my account. I called Wells Fargo on the 10th day and received news of the claim being denied. The representative stated the denial was due to the large amount of transactions involved in the dispute, the fact I knew the suspects, and that I would need to reach out to the individual merchants. I spoke with the claims department where I was told I would receive a call from a manager within 48hours, after requesting to speak with a supervisor. My mortgage is now 20 days late. I have a negative balance. I can not get an explanation from Wells Fargo regarding questions asking why my account activity didn't freeze the account. I have spoken with several merchants regarding the fraudulent charges, but have been informed the bank must handle it. In 17 years, I haven't had a single dispute with Wells Fargo. It is imperative this money be returned so I am able to pay my financial obligations before anymore late fees accrue. I have not had XXXX single call from Wells Fargo. All interactions have been initiated by myself. The call within 48 hours was not received. The employees investigating my claim did not seek any additional information. My former roommate is currently incarcerated in XXXX XXXX, GA. I am at a loss in the situation and was advised to contact the CFPB to attempt a resolution. It is impossible for me to have made these transaction during confinement. A total of four police reports have been filed with law enforcement. Paying my mortgage is a tip priority, and I am frustrated beyond words at the bank 's unwillingness to accurately investigate my claim. I made a police report and filed a dispute the same day I was released.

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 2020-08-17
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:
SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 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 2023-11-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-21
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am sending this dispute letter on my behalf. 
Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.

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 2021-07-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2020-08-17
Company: EQUIFAX, INC.
State: OH
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:
There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please Clean My Name Credit and for XXXX XXXX, XXXX XXXX, XXXX XXXX My phone number is XXXX XXXX my email XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents XXXX XXXX XXXX and XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear sir or madam, I just recently paid off a to the collection XXXX agency which is sold by XXXX XXXX creditor. We both agree that the once its paid off that this would be off my credit. XXXX agreeded and is off of my credit on Experian, but if XXXX has sold my debt to XXXX then they should be on my credit as well because its paid off and account is mark satisfied. I request that all the 3 credit beureaus delete XXXX from my credit file. 

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 explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my XXXX attempt at getting an accurate credit score from Experian Credit Bureau. On XX/XX/XXXX Experian decreased my credit score by XXXX points. I contacted the credit bureau to get an explanation as I felt this decrease was inaccurate. I did not get a valid reason from the representative, which caused me to file an initial complaint with CFPB on XX/XX/XXXX. 

After I filed the complaint on XX/XX/XXXX Experian increased my credit score by XXXX points. On XX/XX/XXXX Experian decreased by credit score again by XXXX points. I received a response to my complaint from Experian on XX/XX/XXXX. Either this is deliberate or there is a glitch in Experian 's credit scoring system. 

The scoring can not be based upon my credit history as my XXXX score is steadily increasing, my credit card usage with all ( XXXX ) bureaus is 0 % and there's no new debt collections added to my account that would cause a drastic decrease. 

The previous response that I received from Experian on XX/XX/XXXX did not fix my credit score issue. It stated that my credit history was a factor which is why I attached a copy of my credit card usage percentage to disprove their claim. 


Thank you 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