BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Bank of America credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Bank of America on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Bank of America notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Bank of America stating " they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to BOA questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with BOA and suggest I contact CFPB for further assistance if I am not satisfied with the resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Disputed addresses of places Ive never lived and could not get it corrected! 
I feel my identity has been used fraudulently! I have been fighting fraud on my accounts at every bank I go to and it has caused my accounts to be closed which reflects badly on my credit report! Many accounts were closed at XXXX XXXX with out my knowledge and fraud as detected on my accounts which I disputed and they wrote it off because they couldnt prove the charges were mine! This also has ruined my credit! A divorce ruined my credit because my ex closed all my accounts without my permission! Ive had attempts to open accounts under my name that I didnt open!

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 2021-06-24
Company: EQUIFAX, 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:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : 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 2018-08-22
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX I seriously concerned and disappointed in how Barclays charge interest, apply late fees, and apply other hidden costs to keep the balances high on my credit card accounts ending XXXX and XXXX even after I make substantial payments. 

I noticed that if I make a payment on the due date after XXXX ( CST ) which is XXXX ( EST ) you apply late fees ; this is fraud. 

In addition, the amount Barclays charge toward interest and the ending statement balances do not correspond ; this too is fraud.

Finally, I can not determine how Barclays is calculating the interest payment in order to obtain the amount of true interest owed - when I try to add or calculate the interest listed it does not match Barclays amount ; this is also fraud. 

This has been occurring since XXXX on the account ending in XXXX and since XXXX on the account ending in XXXX Regards, 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 2023-02-10
Company: National Credit Systems,Inc.
State: TX
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 have been disputing this collection account on my reports with XXXX XXXX XXXX for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am a screenwriter who had a check cut for {$37000.00} en route to my house via USPS first-class mail from my Agency ( XXXX XXXX and XXXX ) the week of XX/XX/XXXX. The check was stolen before reaching my home. 

Somewhere between being dropped in the mail by the Agency 's Accountant and arrival in my mailbox at home, an individual cashed the check at a WELLS FARGO bank on or about XX/XX/XXXX. 

This individual signed his name on the back of the check and was given {$37000.00}!! The Wells Fargo teller obviously broke all protocol by not checking for ID and cross-checking with who is authorized to sign checks from the account. My name is the ONLY person authorized to sign and cash checks. Yet, this individual PRINTED HIS name ( he didn't even use a signature ) and was given the funds by the Wells Fargo Teller. I have a copy of the cancelled check and it 100 % is NOT my name. 

As soon as I found out ( after asking XXXX where the check was ) I filed paperwork with XXXX XXXX XXXX XXXX the issuing bank/XXXX XXXX bank ) that was submitted to Wells Fargo XXXX 11-months later, and after speaking to FIVE different people at Wells Fargo I am no closer to seeing the money that was stolen from me. 

It should also be noted that I am a member of Wells Fargo having both checking and savings accounts with them. ) Unfortunately, there is not even a contact Wells Fargo will give me for updates, etc. I have been told by people there Fraud will not even speak to you. 

I even opened a case with the XXXX XXXX Police department and they have said Wells Fargo is giving them the runaround as well. There should be video footage somewhere of this individual cashing the check. 

This is absolutely unacceptable. I know that my money is FDIC insured, Wells Fargo is legally required to give me the funds that were stolen. I am hoping you can be of help before I finally have to go and start a lawsuit, which will include compensation for all the time I have lost in this inane pursuit. 

I truly appreciate your help getting this resolved.

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 2016-06-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
For graduation I was given a check by my grandfather for {$12000.00}. I deposited the money into my Wells Fargo savings account. Once some of the money had been released into my account I paid off the balance on my Wells Fargo credit card. Eventually the check bounce, turns out my XXXX XXXX XXXX grandfather had mistakenly only put in enough money into his account for XXXX of his graduating grandchildren. My cousin who also graduated college cashed his check first, which resulted in my check bouncing because the money had been taken out of the account. This resulted in my savings account to go negative because I used it to pay off the card with funds that had once been released ( but now taken back because of the check bouncing. Wells Fargo then locked my account even when I put in cash into my checkings account to overturn the negative balance. Between talking to personal bankers in XXXX local branches to explain the situation and talking to the fraud department on the phone to explain the situation they were unable to reverse the hold. They as a result are closing my account, giving me few days notice to pay off the card. I made multiple attempts to pay off the negative balance and the credit card after realizing the check has bounced. There has been XXXX transparency, consistency, and clarity between my personal bankers at local branches and fraud department. The local bankers do n't even know why my account is being closed due to a check bouncing due to insufficient funds. They have left me confused and with little ability to amend the situation. In fact they even cut up my debit card at the branch. I have always been on time with my credit card that I have with Wells Fargo and I have made multiple attempts to make payments on the card. I have not received a hard guarantee that my credit and credit score will not be effected by the result of this bounced check and the ridiculous near immediate closing of my accounts.

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 2022-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that isUNKNOWN to me : 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 2016-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor acknowledges receipt of the letter requesting no further communication, the creditor asserts its right to continue to send " servicing correspondence '' such as monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.

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 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is owned by Bank of America and is a XXXX backed mortgage. Sometime around XX/XX/2011 we started a home loan modification process with BOA. This process took over 3 years of back and forth. We even took the steps to find a pro-bono attorney to help us the BOA gave him the same run around. In the end, BOA added almost {$90000.00} to the loan, increased our interest rate, and added fees to the loan that to this day have yet to provide proof as to what those fees were for to me. I have attempted to try and seek legal help and I am unable to find an attorney anywhere that will assist us with taking on BOA. All of them quickly say that they can not help us the second they hear that our bank is BOA. I have countless letters from them directing us to XXXX who request the same documents month after month. Emails between me, BOA, and my attorney at the time. 

Bank of America also knew that this loan was a VA loan. They failed to notify the VA that we were seeking a modification in a timely matter. In fact, they tried telling me that they did n't know my loan was a VA loan. By the time the VA was notified, it was beyond the point that the VA could do anything to assist me. 

I 'm a XXXX with XXXX tours in XXXX, XXXX tour in XXXX, a XXXX and an XXXX Commendation XXXX with " XXXX '' device. I 'm currently out on XXXX and this whole situation has in part contributed to my XXXX and XXXX getting worse.

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 2022-01-25
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a customer of Macy 's for several years. I noticed Around 2 yrs ago that they were charging me for a protection service that I did not request. I immediately called and asked for it to be removed. I do not check my statements as my bills are debited monthly. They never removed the service, that I did not ask for. I asked for proof that I agreed to this service, they said they do not have it and will discontinue my service. I asked for a full refund of the unauthorized fraudulent charges on my account. they credited me 1 month. I never agreed or requested this service. I didn't even know it was on my account. When I did find out, and I asked them to remove it, They continued to charge me for an additional two years. Tthis is a fraudulent, activity and I need help getting reimbursed for the fraudulent fees paid.

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 2022-11-12
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: Personal information incorrect

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, XXXX XXXX XXXX XXXX XXXX XXXX  I looked over the credit report and found that DATES ARE INNACCURATE.ALSO, I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof INNACCURATE DATES, and also my current address, social security card, Bank Statement, driver 's license and utility bill This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THIS FRAUDULENT INCORRECT ACCOUNT FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNT DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, I HAVE ATTACHED THE INACCURATE ACCOUNT THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 2022-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Equifax has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reported to my credit file held with Equifax. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation