BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I really don't remember the dates it was last year, all I know that bank put a flag on my account and told me that I owe them over {$4000.00} dollars. I was trying to get a loan with this loan company and they was asking if I get test to transaction. First they sent {$1700.00} to my XXXX XXXX which was link to my bank. They ask me to return it to them for testing. They repeat that with {$1700.00} saying they was paying insurance fees for getting so much money at a time. So now I can't get no bank account open because of this.

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 2020-02-07
Company: Experian Information Solutions 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:
My information was used without my 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 non-monetary relief
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: GA
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 XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo Bank- I opened a new account and the offer was that if I direct deposited {$2000.00} within 90 days, I would receive a {$200.00} bonus. 

I did what I was supposed to do, based on how I understood this offer, but was later told by Wells Fargo that my original {$25.00} deposit does not count toward to {$2000.00} and that I subsequently only made {$1900.00} in direct deposits. 

I believe I acted in good faith and was mislead in how this was worded and explained to me during account opening. I am just requesting that Wells Fargo honor the bonus offer I was promised and also act in good faith. 

Can you please approve my {$200.00} bonus? Thank you very much.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I dont exactly remember the days but quite a few times my account has been hacked twice I did have the company tried to reimburse me for that amount but I did see some other feet on my account and I didnt complain but they said they will handle it, but it never has been solve

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by XXXX and other credit reporting companies by their reporting of information that is as they state " Hurting my Fico score ''. 
Example : On XXXX they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have two accounts and that to be a FICO High Achiever I need an average of 6 accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my younger brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His XXXX score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26
Company: Ascendium Education Group
State: TN
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:
XXXX will not remove after many attempts my credit show i own the over 30k which i dont and it shows duplicate amount, i can prove this the XXXX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Merchants and Professional Bureau, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCHANTS & PROFESSIONAL XXXX Balance {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Public record information inaccurate

Complaint:
I disputed with. XXXX XXXX  a bankruptcy they deleted it so I disputed with experian that they verify with them an thats how experian have it I show them the proof an they sayin that they dont used XXXXXXXX XXXX XXXX as proved but they did used them to add for my report doesnt make sense they dont want to deleted something that is been deleted it from who they used to verify that is 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 2022-11-18
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to equifax to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Equifax that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Equifax. I also received a copy of my XXXX  XXXX credit report showing proof that it doesnt exist and Equifax us not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: VW Credit
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This credit company vw credit inc leased me new car back in XXXX and its brand new and it ghastly full coverage insurance, My father drove it one day and he got into a car accident which totaled the car and the car wasnt drivable with that being said the insurance paid the vw credit inc. and now I see my credit is damaged by them and I kept calling them and once I handle them my information they constantly keep me on hold and the kept adding more money that I owe on the account with the car being totaled my name is XXXX XXXX my social is XXXX and I am furious by the VW CREDIT INC I beg for help because I am trying to build my future and live happily and constantly they are making me upset I hope you feel the frustration I am in, I tried numerous times to dispute it from both XXXX and XXXX and they wouldnt let me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XXXX XXXX I reported to my bank ( chase ) that there were fraudulent charges on my debit card and a dispute was opened. I was issued a provisional credit from the fraud department with 24 hours after filing this report and also issued a new debit.I went into the bank yesterday ( XXXX ) and tried to make a withdrawal and the bank teller ( XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX ) Made a big deal and got very loud and discussed my account in front of other customers. I was then sit down with a bank manager and he called and verified the money was available and it was. I was allowed to do a withdrawal. Today I go into the bank and they are now telling me that my account is restricted. The Bank Teller has a personal issue with me and gives me an issue every time I go into the bank ( XXXX XXXX ) When I first opened this account there was an issue that I had another account opened. I provided them with all documentations to prove this case ... I was a victim of ID theft. My account was reopened and up until to date I have not had any issues with the account besides going into the branch and dealing with this teller ( XXXX XXXX ) who also happens to be a manager as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yesterday XX/XX/XXXX, I have made an internal complaint on claim # XXXX, that it had been issued 5 times of denial letter, which timeframe is out order. XX/XX/XXXX 's letter is denial letter w/o notice of ten day to submit additional information and so now it is kept asking for additional information in order to issue permanent credit. It is similar to these two claim number at below : XXXX which favored me within couple denied. 
XXXX which favored me within couple denied.

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 2023-03-09
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PNC no longer allows linking to the XXXX app owned by XXXX. It's incredibly frustrating and makes it hard for folks to make donations, pay debts to peers, etc. PNC has done this with Acorns as well. Annoyed and disappointed consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They never send me any notification I think they don't have my address they have a Texas address. I never live in Texas, I call them when I found out in my credit report and they denied to take it off, they can not proof it is my debt because it is not. And they put it in credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used a feature in my banking app XXXX to place a deposit on a miniature horse that I was to purchase. ( Customary in XXXX industry ) after the transaction was completed, the seller disappeared. So I was scammed out of a {$350.00}. Deposit. I spent a great deal of time digging into this matter as I couldnt believe it happened to me. I have found more than 10 fake pages selling fake items using stolen pictures, names, profiles etc. there are more I am sure. I contacted several people that appeared likely to have fallen for the same scam. All the fake pages and sales and requests for deposits go back to the same people. I have all the messages, pictures and information about my transaction as well as pictures and information for the scammers pages. It is extensive and is on going. They are trying to sell me livestock right now as I make this complaint. I contacted my bank. Huntington Bank. They explained to me that I have zero protection and they have zero aid they can provide because XXXX is a 3rd party. My money in Huntington Bank would be protected and remedies would exist if I had NOT used XXXX. I reached out to XXXX. They stated that in the disclosures, they are not responsible nor will they help me in any way. I filed a complaint with XXXX. Now a complaint with you. The scammers that got me are good. They are doing this all over XXXX and who knows where else. There has to be some for of accountability for XXXX. Or for my bank who makes the XXXX payments available on banking app. The scammers need to be stopped, held accountable and restitution made to those that they have scammed. I feel violated on several levels. The scam itself, my bank as I believed my money was safe and that I had some for of protection, XXXX for making their service so easy for scammers to do this to people. My transaction was made on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NY
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 just spent XXXX min XXXX on the phone with experian. I was transfered 5 times to a diffrent number/dept.! I asked to speak with a supervisor and was put on hold and then disconnected. 
This complaint is the same as the previous complaints. They have my income incorrect. They have it as {$2200.00} when it should be {$3700.00}. 
It is easily verified in my checking account with XXXX XXXX @ XXXX XXXX XXXX XXXX Al, phone XXXX which shows my SS deposits each month totaling {$3700.00}. Your agency has taken no action against Experian to correct the information. you simply close the complaint regardless if the issue has been resolved or not. It has not been resolved and I can not get it resolved. I get XXXX answers and the run around when I call their dispute dept. 

Please enforce the requirements to fix the inaccurate 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 2019-05-27
Company: NELSON AND KENNARD
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nelson & KENNARD ( XXXX XXXX XXXX ) continues to defame my copyrighted name to enrich themselves. Arbitration has already been conducted. They owe XXXX. They continue to hold my property in store. My credit is being held by them to extort me. I demand my credit be restored I charge XXXX dollars per day as of XX/XX/2019. I have a legally binding Arbitration Award stating they are in Breach of Contract. Yet they continue to threaten me with false lawsuits they have no jurisdiction to do so by. They also have NEVER replied to certified mailings to proof of claims. They say they represent XXXX  XXXX XXXX but I have not seen chain of authority I asked for, nor any other evidence they are legally authorized to collect on In God We Trust Notes. In any State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.

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 2019-05-27
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans 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 2020-11-30
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: Account status incorrect

Complaint:
I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
I have lived with groups of friends in XXXX XXXX and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.

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