BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: DISCOVER BANK
State: CA
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:
No action was taken! I was lied to by Discover Card services and they also lied to CFPB XXXX XXXX and claim CFPB XXXX XXXX also for XXXX XXXX XXXX XXXX i submitted a claim to Discover Card Services For unauthorized subscription fraud account charges by XXXX XXXX Discover on XX/XX/2022 they reversed the charges back and I received credit then without my knowledge Discover reversed the fraud charges back to my card! And again Allowed XXXXXXXX XXXX to charge a new charge on my account on XX/XX/2022 There was no update on the dispute from XXXX XXXX Discover Card had claimed the matter of the disputed charges of the claim was being investigated but it is not! The charges are back on my card and they allowed XXXX XXXX to continue to Charge my account yet again!! On XX/XX/XXXX! I called Discover and the operators in billing and in Fraud Dept say they do not have this claim on file! And they ( Discover Card ) has allowed XXXXXXXX XXXX to charge my account again in XX/XX/2022 with out my authorization or my knowledge! This again is after I filed the dispute for fraud! Today XX/XX/XXXX I have requested to cancel and replace my card with a new card to prevent further unauthorized charges as Discover has done nothing to stop the fraud and disputes! Discover fraud Dept has unqualified operators answering the claims they make jokes and Manipulate the conversation they put in a Charade of distractions instead of being professional! I spoke with XXXX today at XXXX XXXX XXXX ; and in Ohio it was XXXX their time ; I asked to speak with his supervisor after a lot of back and forth nonsense his response was well its too early to get a supervisor non of the Discover Customer phone operators are professional they claim not to have my phone number on file they dont know about a claim that was just opened even after providing information to them they put on a charade its very frustrating to deal with Discover card customer service. I dont know what is happening with the dispute! I had to close my card account and have a new card issued to prevent further fraud! I am very frustrated at the lack of information I am given by the Discover Card phone services billing and fraud are awful! They give false information about the claim they claim not to have information and say charges are valid until investigation is complete but no update is given and I am being told by Discover that another charge was authorized in XXXX but I was never notified! I am very frustrated the lack of support and And information given by discovery card phone operator in all departments at Discover card services! I still do know anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Diversified Consultants, Inc.
State: WI
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:
In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to XXXX to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by Diversified Consultants IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with XXXX and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

Diversified Consultants, XXXX and XXXX needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the XXXX Confirmation number of the completed complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have both a business and personal account at Bank of America. I have had accounts with Bank of America for over 25 years. The business account is XXXX XXXX and XXXX XXXX XXXX XXXX and the personal account is XXXX XXXX XXXX. 
XXXX. On XX/XX/2023 {$6900.00} was fraudulently transferred out of my business account to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. This person is not known to me and the address is a rundown property in foreclosure. The transfer was not discovered until XX/XX/2023 at which time the Fraud Dept. at BOFA was called and a complaint was filed. No 'recipient added ' notice, nor the code notices were received for the fraudulent person and the transaction. I followed all instructions from BOFA about changing passwords, etc., when instructed that day. 
Paperwork was sent to the Fraud Dept XX/XX/XXXX, XXXX It was Denied. Paperwork was refiled after a police report was made. 
2. Another attempt was made to transfer {$10000.00} on XXXX XXXX. I received a notification and called the bank and the Fraud was stopped. 
3. Personal Saving account- On Friday XX/XX/2023 I checked my balance which was {$10000.00} in the morning before running payroll. I deposited several checks into my business account and went back into the account on my computer to pay payroll. My saving account showed {$1100.00} and that {$9500.00} had been transferred out to a XXXX XXXX. I immediately called BOFA to stop the transfer, they said the best they could do is file a claim. I did not receive again the notice of 'Recipient ADDED ' or that a transfer had been made, which is what happens when a transfer had been made. The funds transferred back into my account on Monday, XXXX XXXX at which time BOFA did a FORCED DEBIT to the fraudulent account even though the account had been locked down on the previous Friday. The Fraud complaint has never been responded to to date. 
TO DATE : I have not had any of my funds returned to me. It is apparent that Bank of America 's online system is not secure and can easily be overridden. Bank of America is uncooperative in responding. Calls are made to follow up on the Fraud, and you are kept on the phone for over an hour as you are transferred from one person to another. Please advise what to do. 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 2022-12-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Ive disputed online and Ive sent letters to XXXX, Experian, and XXXX on XX/XX/2022 concerning all of the inaccuracies and inconsistencies on my report. Its been well over 30 days I still have not received a response. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights.

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 2018-11-26
Company: Innovis
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Issues regarding Innovis involve representatives that are uneducated, untrained, emotional, lazy and purposely ignore and violate fair credit reporting act standards is common place. I called to get information on my credit report. Not only to receive a copy, but to dispute info over the phone. 3 hour conversations, leading to an emotional supervisor named XXXX, described my situation as suspicious because I wanted him to identify specific information over the phone. Innovis will dispute this and claim that they never did this or decline the fact that they provide info over the phone. I received partial info over the phone. Meaning I requested specific accounts listed on my report, after I fully verified my phone number, address and social sec, and physical address. The rep stopped mid-way through and transferred me to emotional XXXX who declined to provide additional info. Innovis is declining my right to dispute information regardless of knowing some of the information listed on the report. Incompetent Innovis representatives need to remove specific pieces of information from my report and decline to do so, as the standard comprehension level is comparable to a child in grammar school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number:XXXX It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2022 I submitted a letter to the three major credit bureaus ( XXXX, Experian, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my Experian credit report, however, the other two accounts were still showing. After looking in the dispute center in Experian, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.

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 2018-04-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2011, my home at XXXX XXXX XXXX, XXXX, XXXX  was destroyed by a tornado. On that home I had a Wells Fargo mortgage and a Wells Fargo equity line of credit. My home insurance company paid off the mortgage, but not the equity line. I continued to pay on the equity line. 

Last week I applied for a mortgage with Wells Fargo on my new home at XXXX XXXX XXXX, XXXX, XXXX XXXX. The loan officer told me that the equity line had to to resolved first. He initiated a " research ticket '' on the equity line due to the confusion over why the equity line was not paid by XXXX ( my home insurance in XXXX ) when the company paid off the mortgage. 

Because the Wells Fargo loan officer has not responded to my questions of last Friday, I grow increasingly concerned that my interests in this matter be protected. The equity line should have been paid by XXXX ; it wasn't. Why not? And am I just the " XXXX XXXX '' in this situation, waiting to have whatever done to me by XXXX and Wells Fargo? What are my rights in this particular situation? 

Wells Fargo Line of Credit Account # XXXX Wells Fargo Research Reference ( on Account # XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MD
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 had a student loan and began XXXX XXXX for XXXX to begin a career in XXXX. We were expecting a child. My Girlfriend died due XXXX XXXX XXXX complications. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by Experian. ) Account name U S DEPT OF EDXXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IA 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 2022-09-02
Company: Experian Information Solutions Inc.
State: NY
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 Account # 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 XXXX XXXX XXXX  : XXXX XXXX XXXX  Delaware XXXX XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Child Support : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: GA
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 sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number:XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a XXXX veteran and have been having problems with Navient since they took over my 3 student loans. For several years I was unemployeed and this company XXXX me around with payments, deferrements and made it very difficult to get the paperwork from them. They did not recognize by Dept of V.A. XXXX docs and treatment records from the V.A. hospital. They have charged more interest than should have been charged on my loans. 

Now I am making payments and have been for several years. Most recently, this company refunded my monthly payment for unknown reason. The payment amount exceeds the monthly minimum payment. They have marked my account past due even though I have prepaid and paid more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Bread Financial Holdings, Inc.
State: CT
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 request to review all reports. There are differences between reports issues. I tried 2 or 3 times but they did not review it in accordance to law. Both reports have the account that does not have past and a XXXX balance use. NO info about use, or unknown information. The credit score report in XXXX reports " Charged off as bad debt Purchased by another lender '' in XXXX reports " Charged off account ''. Non of them have information about " payment status or past due '' or worst payment status. The reports do not have the same information, Commenity bank do not accomplish to verify all before send their determination to my dispute. As a consumer I request to delete the account in accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A student loan was opened on my account. Address keep showing on my credit file that are not mine.

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 2022-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A student loan was opened on my account. Address keep showing on my credit file that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called resurgent capitol services on XXXX XXXX for a letter stating i own XXXX cents for XXXX XXXX XXXX bill the operator I spoke to threatened to sue me from a Debt I do n't own dating back to the year of XXXX

Company response to consumer: Closed with explanation