BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a VISA debit card for {$250.00} ( card no,. XXXX XXXX XXXX XXXX ) as a reward for performing XXXX  for XXXX XXXX. Unfortunately, I did not realize that it expired XX/XX/22. When I noticed in early XXXX, I contacted XXXX to see if they could extend the date. I heard yesterday from them that I would have to contact the issuer VISA ( Bank of America ). I contacted them and they are both unwilling to extend the date and also are playing games with my request. The first supervisor told me " no, they could not extend ''. When I asked to speak to her supervisor, she honored the transfer to supervisor request but ( perhaps ) hung up on me. I called back and the new person said he would escalate it to his supervisor. I am now on hold waiting for that person, and it has been at least three quarters of an hour. The attendant comes back on the phone every 6-8 minutes and says, " I am sorry, we are waiting for the supervisor ''. I asked this person to have the supervisor call me, but OF COURSE they are unwilling as that is not their policy. They have no value for a customer 's time but, in my mind, are just playing games with me hoping I will go away. If I were making a request to get their credit card, I know I would not be put on hold for this length of time. I understand that the expiration date has passed by three weeks, but I also know they have been paid by XXXX XXXX. I think there is nothing but greed on their part in that they are unwilling to extend the date, especially given these difficult covid times. I believe a multi-million dollar company could do much better and SHOULD do much better. I am not happy at all with the way I am being treated, being placed in an unlimited queue to speak to someone, nor am I happy that they are making it so difficult to speak to the supervisor. Nor, that they are that inflexible when all they do is make money off the working person. 

I suspect that the lobbying industry has put all kinds of regulations in place to protect the big money donors like VISA, Bank of America, thus hurting the average working-class citizen. I believe that they received the money from XXXX and should be forced to give it back both to me or anyone else in this same situation. With the computer at their ready access, they can view the card easily and see it was never cashed. 

Thanks for listening.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the fair credit reporting act XXXX my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, my wife XXXX and I ( XXXX ) applied for a HAMP agreement that would allow us to stay in our Vermont home. Wells Fargo stalled and stuttered for years until practically all our equity was gone. 
We sued Wells Fargo and in XXXX the Vermont Superior Court agreed that the HAMP agreement fit the necessary bank compliance with borrowers when Wells Fargo and XXXX signed the bailout agreement with US Congress. 
A HAMP agreement was set in place in XXXX. However, Wells Fargo was enabled to capitalize accrued interest between XXXX and XXXX that wiped out all the equity in our home. 
We have since sold the property and paid off Wells Fargo in full. We have been damaged by Wells Fargo- they could have struck a HAMP deal in XXXX, but delayed to gain interest in our property and try and force a foreclosure on a resort mountain property complete with a brook and pond. The bank stood to make a huge profit selling our property. We were tied to Wells Fargo like being tied to the railroad tracks! No other bank would touch us since Wells Fargo reported delinquencies. CFPB recently recovered $ XXXX from Wells Fargo for grifting on customers. 
It became a con game for 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 explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-12-12
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The original issuer could not provide a reason for the charge in writing, which, according to the Federal Trade Commission 's website is required.I have now filed an identity theft report with IdentityTheft .gov and informed the debt collection company of this and they are still contacting me with hang up calls and letters indicating they are unable to validate my claim. I have sent them, and they did receive, a validation form in which I have declared that I do not owe the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I hired XXXX, to process my payroll. I also signed up for a 401K plan for me and one officer only. However, from the beginning XXXX would confuse, neglect, and continuously mix up my payroll with the 401K plan. After 30 days, I called and cancelled the 401K plan portion. Afterwards, I kept XXXX for a couple of pay periods because I was on an automatic payment system for processing. All of this occurred between XXXX - XX/XX/XXXX. From XX/XX/XXXX, it has been a nightmare. XXXX has illegally and Fraudulently stolen money out of my business account at Chase Bank a couple of times. The money was returned to me XX/XX/XXXX, due to 25 pages of evidence I submitted to Chase fraudulent claims department. I also had to submit a stop payment on my account on the advice of a Chase bank rep. The stop payment was up to {$200.00}. However, XXXX made several fraudulent attempts to steal money out of my account after Chase settled the matter due to the proof I submitted of the cancellation from XX/XX/XXXX. However, XXXX made another attempt to steal money and was successful at illegally withdrawing {$1200.00} ( XX/XX/XXXX ). I contacted Chase fraud department, and submitted another claim. To date, the manager XXXX  has supposedly been working on this case for 1.5 months. XXXX, has been stringing me along, and refuses to refund the money to my account, although I have the same proof that I submitted before. XXXX, does not keep me up to date, and she does not return calls. This entire process has thrown my account into a negative status. I have not deposited money in my account because Chase Bank continues to allow XXXX to steal money from me. So, I had to submit another stop payment increasing the amount to {$5000.00}. I need help because Chase claims department continues to tell me that they do not have anyone to answer to. The only person in charge of the claim is XXXX, manager of the claims/fraud department . I NEED YOUR HELP TO GET MY MONEY BACK. IF I HAVE TO FILE A POLICE REPORT, I WILL. I HAVE PROOF OF CANCELLATION, AND I AM IN NEED OF MY MONEY. However, the manager XXXX has been protecting XXXX and stringing me along with no answers. The only response I get from her is they are working on it. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I tried to resolve all the problems in my credit report with the bureaus but they don't want to investigate about 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 explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2020-06-17
Company: Experian Information Solutions Inc.
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:
reporting fraudulent 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 explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting non mailable addresses on consumer delete immediately per Privacy Act 1974 see list 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 XXXXXXXX XXXX Report only current address.

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 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I check my credit every week and noticed that my credit score dropped. I see that this debt collection company on my credit. Prior to this showing up on my credit, I did not receive a call and notification from this company. I also fault the credit reporting agencies for allowing these debt collection agencies to pop on consumers ' credit without verifying if they attempted to contact the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX - Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies

Company response to consumer: Closed with explanation