BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I restarted my router. Then I log into my @ BankofAmerica account. I was surprised that it asked me a lot of security questions as if it is my first time logging into my computer. I answered all questions like provided my debit card, security code and I did my online banking. After I completed my banking, I got a call from Bank of America, fraud dept, alerting me that it appears that I am logging from XXXX so they want to verify if I made a {$150.00} transfer and I verified I did that, transfer from and to my Bank of America accounts. The next day my son, veteran served for 6 years and full time XXXX XXXX  alerted me there is a $ XXXX transfer from our joint account that we both did not make. 
I filed for fraud claim immediately and I was told that $ XXXX went to a XXXX XXXX account done via online banking transfer. I waited for the 10 days for my bank to credit our account. After 10 days when I called for status I found out they denied my claim stating that they sent a safe pass code to my cell phone and the transfer was legitimate. 
I dont remember receiving a code that day but when I look at history of text, there was a code sent on my phone but I didn't authorize the transaction. I was telling them that I got a call that day from fraud department so it is evidenced that there are fraudulent activity/scammers happening that day with my account. But they are telling me that I need to show proof that my phone is hacked. Its a shame because I was a XXXX XXXX for 27 years, my son is in the military and this is money he earned from his service and we are not being treated fairly. He never touched this account and it just disappeared one day and Bank of America is not honoring our word that it was fraud. I have a police report and seeking help from the police to help with the investigation. I am very upset and having XXXX  over this matter and seeking any assistance. We are being called platinum customer, and the bank claimed they are providing World class service but not doing the right thing during this hardship. I would appreciate any help out there. Case # XXXX Bank of America XXXX XXXX Check & Digital Fraud Claim  XXXX XXXX XXXX  XXXX XXXX, TX XXXX Police Case Report # XXXX XXXX Police Station

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 2021-09-07
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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
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: Account status incorrect

Complaint:
Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

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 2018-03-26
Company: DISCOVER BANK
State: OK
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:
OnXX/XX/XXXX I electronically paid my Discover card in full, {$5900.00} as I always do every month.. On XX/XX/XXXX I had a purchase declined and then again onXX/XX/XXXX. On XX/XX/XXXX, I contacted Discover card to find out why. They told me they had never received my payment.I verified with my bank that it had been paid, received by Discover card and processed. When I told Discover they said again they had not received payment. After much time and frustration on hold, Discover card said they had applied my payment to another old Discover card of mine which THEY had closed over a year ago because of what they said they needed because of possible breach and potential fraud. When I asked them to transfer the payment to my current card, they said they could not do that. They told me they needed to send me a check which would take abut 5-7 days. In the mean time they said I needed to pay the credit card bill and they WOULD TRY, to take care of any interest or penalty when they received my new payment. Really? The main thing that upsets me about this is they never send me a late notice or anything, they just put a hold on my account which is very embarrassing as a business owner when I am trying to pay for services. I have outstanding payment history with Dicover card as well as all other account I have. I have excellent credit, XXXX credit score last time I looked. When I told them that I wanted all this noted on my account and any negative credit to be addressed. All they told me about the incident is, MISTAKES HAPPEN. Would they accept this answer from me. I think not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an agreement with Chase to settle a collection for {$1000.00} and I paid the agreed amount and they said that I did not pay the amount, I have lost a chance to buy a house for my daughter and I because of this illegal activity. Please see attached for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion is not investigating the negative collection/chargeoff account reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureau to show that my request is being looked into. My most recent credit report shows the following account as not in dispute, when in fact this account is in dispute. The account is XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This line item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item need to be updated and/or completely removed from my credit report. I have contacted the bureau multiple times to review this account however, I have not been successful.

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 2017-12-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.

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 2017-12-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth 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. 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 report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as these are impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there are a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureau and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2019-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
On XX/XX/2019, I noticed charges on my card that wasnt mine. I immediately reported at that time that i dont have possession of that card. Capital one put the credit back on my account after a 30 day investigation. After 60 days, capital one put the charges back on my account without me knowing about it. I have been denied business credit, charge interest that made my account go over its limit. There is camera footage from XXXX   XXXX that shows a person that is not me nor my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Bread Financial Holdings, 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:
I've been disputing the inquiry from Comenity Bank since XX/XX/20. I did not apply or have credit with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
COMPLAINTS AGAINST DISCOVER CREDIT CARD I CAN NOT REFILL OUT THE FORM IM SURE DISCOVER IS QUITE FAMILIAR WITH THE PROCESS. 

ONCE YOU FILL IT OUT ... YOU CAN NOT GET BACK TO IT ... 
UNLESS THIS IS THE VERY FIRST TIME THEY ARE REQUESTING CUSTOMERS TO FILL OUT THE FORM SPECIFIED. 

UPON RECEIVING THE EMAIL I WAS INSTRUCTED TO SIGN MY NAME. 

THAT WAS IT. 
I SIGNED MY NAME IN THE SPOTS ... AND SUBMITTED IT.. WHICH I HAVE ALSO UPLOADED AS PROOF. 

YET DISCOVER STATING INCOMPLETE INACCURATE WHATEVER OTHER REASONS IF I NEED TO FILL SOMETHING OUT THAT I WAS NOT INSTRUCTED TO UPLOAD THE DOCUMENT HERE SO I HAVE PROOF OF DOCUMENTATION. 

FOR MY SAFETY AND RECORDS. 

IT SEEMS LIKE YOUR STATEMENTS ARE NOT COMPLETELY ACCURATE OR FAIR MAKING IT SEEM AS IF I HAVE TOTALLY DISREGARD ANY OF YOUR DEMANDS .... 

COMPLAINTS XXXX-XXXX  XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with Fidelity 2 % cash back At the start of covid 19, I was let go temporarily and notified them I may be late on a payment, however that was not the case, I made all my payments on time, and they reduce my original spending limit from {$25000.00} credit limit to {$16000.00} with no warning or no legal reasoning. I have never been late on my payments and I have good standing, I would like my credit limit restored to {$25000.00}.

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 monetary relief
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.

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 2020-05-08
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, I purchased an XXXX XXXX XXXX from XXXX store # XXXX, as part of new phone services. Upon return to my home in XXXX, I realize that there is almost no reception, so unable to make phone calls or use the data service. The next day XXXX, I returned the said phone back to the store and terminated the phone service. A return receipt was issued by the store. By XX/XX/XXXX, I began receiving bills from XXXX claiming that I owed {$870.00}, which was exactly the cost of the returned XXXX XXXX XXXX. I made numerous calls to XXXX sales and customer service to resolve the dispute. Customer service concurred that no payment was owed. Sales claimed the bill was valid. XXXX bill is sent to a collections agency called XXXX  XXXX XXXX, who sent me a settlement offer of {$520.00}. I wrote back to XXXX, rejecting their offer, with evidence of the phone receipt. They closed the file. On XXXX, I received notice from a second collections agency called Convergent Outsourcing asking me to settle for {$430.00}. Convergent also registered this debt in my credit report as collection delinquency. I wrote to Convergent with evidence of the receipt and received no response from them. I filled a dispute with XXXX  to address the matter. XXXX  completed the dispute by backdating the delinquency back to XX/XX/XXXX, even though they noted that the dispute qualifies for an FCRA. 
XXXX and Convergent Outsourcing have no factual basis to establish existence of this debt. All attempts to resolve this matter has been unsuccessful. The return receipt is attached with this dispute to show clearly that the store from which the transaction occurred received the phone and issued a return receipt.

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 2019-02-07
Company: Santander Consumer USA Holdings Inc.
State: NV
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: Problem with personal statement of dispute

Complaint:
I believe that the amounts of debt that lowered my credit score was done unfairly and was done too aggressively for the amount I owe.

Company response to consumer: Closed with explanation