BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received several emails asking for verification of my email for a new checking account opened with Bank of America. I contacted the institution yesterday, XX/XX/XXXX and they closed the account. I'm in the process of calling all of my creditors to notify them that my identity was stolen.

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 2023-04-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$120.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$1900.00}

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 2021-09-13
Company: EQUIFAX, INC.
State: MI
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
This is in reference to the fraudulent transactions that took place on my Wells Fargo credit card account ending in # XXXX. As I reported to the FTC, Law Enforcement & Wells Fargo my credit card was stolen and used criminally at multiple locations including my identity which is why I have now involved the FTC with filing an sworn statement and report. I've initiated an investigation with Law Enforcement, private investigative resources and seeking a resolution as soon as possible. The fraudulent balance reporting is in violation of the Fair Credit Reporting Act, specifically Section 609 of the FCRA. The evidence accumulated so far of the fraud is beyond overwhelming. The transactions appear to be all over and to the extent that fraudsters used my credit card information/identity to travel and purchase flights. I have submitted all of this information to the relevant parties and still do not have a resolution nor correction of the accurate balance reporting. I have received conclusive confirmation that my name/identity/credit information has been compromised in recent data breaches and I'm pursuing legal recourse in light of these data breaches. Unfortunately in addition, I still am missing a black briefcase that had sensitive information from the me and my girlfriends including copies of our ID for a lease agreement application. Police is investigating for suspects and I've requested surveillance. Based on the CC statement provided to me from the branch locally there are charges all over and some appear to be almost simultaneous. I was under the impression that as an added protection and layer of security the WF Fraud department will block transactions that appear outside of the norm In looking at these charges, how were these not marked as fraud immediately? Some literally are what appear to be foreign passengers using my information to book flights? The CC statement displays this Intel. How much more conclusive can fraud get. Im currently gathering information being supplied to me from the resources that I've hired including IP addresses, locations and any potential information I can use. As an official statement I would be happy to testify and show the evidence that I was either at home or at work these charges appear to have taken place and I have multiple individuals, coworkers, colleagues and evidence and even work clients that can easily confirm this. Again, the evidence of the fraud is overwhelming. My ask is for the correct, fair and accurate balance be reported before the fraud took place. The last valid transaction was on XX/XX/2019 - # XXXX - {$77.00}.

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 2023-04-12
Company: EQUIFAX, INC.
State: TX
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, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Credit Systems of the Fox Valley, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am federally protected consumer and CREDIT SYSTEMS OF FOX VALLEY has damaged my reputation and cause financial injury. pursuant to 15 usc 1692a, CREDIT SYSTEMS OF FOX VALLEY violated my right to individual privacy by gaining access to my personal information, furnishing information of an alleged debt to my consumer report which damaged my reputation and causing financial injury. I have been denied credit because of this allege debt on my consumer report. 



CREDIT SYSTEMS OF FOX VALLEY violated 15 USC 1692c ( a ) because they did not received written permission from me a federa lly protected consumer to have my personal information or to communicate with me. 

CREDIT SYSTEMS OF FOX VALLEY has used abusive language in their communication to me about this alleged debt and have committed a number of other violations according to 15 USC 1692. 

CREDIT SYSTEMS OF FOX VALLEY has deleted accounts from my consumer report however deletion is admission to the numerous 15 1692 USC violations they committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've been tirelessly attempting to rectify a fraudulent account linked to XXXX XXXX  on my credit report, to no avail. This account is not associated with me. Despite numerous phone calls, letters, and other efforts spanning several months, XXXX XXXX  remains unresponsive to the grave error of an unauthorized credit card appearing on my report. This oversight has adversely affected my XXXX XXXX to the point where I'm unable to secure a home. 

It's disheartening to witness large corporations seemingly overlooking the concerns of individual consumers. I earnestly hope the CFPB can intervene to correct this mistake, allowing me to move forward in my life. The apparent oversight on XXXX XXXXXXXX XXXX part has significant repercussions on my credit health. Given that my attempts to communicate with XXXX XXXX  have been unproductive, I believe that seeking the CFPB 's assistance might be my only recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are is reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 XXXXXXXX. Please delete this account ASAP.

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 2023-04-12
Company: Winklevoss Exchange LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I deposited money into Gemini Earn last year over the course of a few months. On XX/XX/XXXX I attempted to withdraw the money however according to the website I transfer has been pending for months now with no result. 

They have over {$27000.00} of my money which is most of my savings and I have not gotten any response from the company or support whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX : 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 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AN1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony bank continues to charge e late fees when on numerous occasions I try to pay the bill online and by phone. I have told them that online payment options are not taking the routing number so I couldnt add the banking information to the account, tried to pay as a guest and it wouldnt take my card information. Call to pay online and came across so many issues. A payment successfully went through a d three weeks later it was rejected and I was charged a late fee. I called the bank and they said there wasnt anything wrong with there routing number. I complain to Synchrony bank about this many times and still they are adding late fees. I called to talk with someone about the issues and still no help. I gave a payment over the phone and it went through it was told weeks later it was rejected and again the slap more late fees. They needs to be investigated for this because it happens all the time and they feel like if we complain to yall that nothing is going to be done. They also closed my SAMS card without my permission and they messed up my credit score. They have not fix the situation they only made things worst.

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 2022-09-13
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received several offers from credit karma stating I was approved for a credit card. I never was approved and they did credit check, causing my score to go lower. They also provided incorrect credit score. Embarrassing to think your score has increased and it actually has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MO
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bank XXXXXXXXXXXX Balance : {$10.00}, XXXX XXXX Card XXXXXXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name is 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 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX, I opened a business checking account with Bank of America, ( account number XXXX XXXX XXXX ), for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX registred in Wyoming. Last saturday I couldnt get in my online business banking, and the Bank told me they will close the account, with no reason or any kind of explanation why they will close the account, the money is freeze in the account and the bank told me they will send the funds to the company in 10 working days and they not give any explanation why they took such decision creating me and my company a problems and no support

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 2019-04-24
Company: ONLINE Information Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. A debt collector ( ONLINE COLLECTIONS ) called me multiple times to collect a debt of around {$170.00} for XXXX XXXX. 
2. I called the XXXX XXXX and they informed me that I do not have or had any debt with them. My current balance is {$0.00} ( XXXX ) dollars. Before that the balance was in my favor because I had a security deposit which they refunded about a year ago when account was finally closed. I specifically asked about collections or anything and XXXX XXXX declined that they submitted by account to collections. 
3. I called Online Collections and asked to call XXXX XXXX together to settle the issue but they declined to make such a call and offered me to wait. 
4. I can wait, but not when I have a derogatory mark on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Option Funding, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. 
Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. 
During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: TX
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:
I purchased a flight via Chase Travel in XXXX of 2023. The airline canceled the flight XXXX hours prior to departure. I had to pay twice as much to rebook thru a different airline to ensure my hotel and other travel arrangements were not compromised. The airline has informed me that the funds have been returned and the card has has not refunded, I was told it would take XXXX billing cycles to be refunded by Chase.

Company response to consumer: Closed with monetary relief