BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Claimant IDXXXX ( to verify my unemployment claim ) Im contacting on behalf of Nevada unemployment ( DETR ) & nv prepaid Bank of America card. XX/XX/XXXX my account had XXXX $ deposited from DETR. By the time I went to go and get gas at the pump it stopped fueling at XXXX . And I was confused because I know I shouldve had money. Come to find out money was somehow taken out of my account at a XXXX XXXX on XXXX and XXXX XXXX of the sum of XXXX XXXX I reported that to Bank of America immediately and they told me theyll send out a new card. Which they did and I received it XX/XX/XXXX. When trying to activate the card the automated system told me it was closed. After hearing that I call Bank of America and they tell me I have to speak with my sponsor which is DETR. So I call DETR XX/XX/XXXX and the receptionist told me they have no idea whats going on have to call Bank of America its clear on our end. So I call back Bank of America they tell me to call DETR. I called DETR back and forth trying to get answers until finally XX/XX/XXXX I was told to send over my ID and social front and back to a specific email provided by DETR. Things start to seem great and after a few day on XXXX XXXX XX/XX/XXXX I got an callback from fraud department rep asking me identifying questions. She told me my account would be open by Monday XX/XX/XXXX. So I waited and Monday XX/XX/XXXX account was still locked so I called DETR fraud department and a representative told me if it is not open by midnight to call back the next day. So it didnt open and I of course called back and basically seems like the same thing started to happen, back and forth between DETR and Bank of America. So I keep calling & XX/XX/XXXX I get pending decision on my DETR claim. XX/XX/XXXX I get an email from DETR Fraud asking me to send in my documents again front and back. So I called DETR fraud XX/XX/XXXX and the receptionist tells me Im just waiting on a callback now, Im in the clear on my end. But Ive already got an callback XX/XX/XXXX so everything just going in circles now. Seen someone in XXXX post says they felt you helped them a lot in this situation. This has caused much stress and hardship on my family. No money for holidays, car payments rent, food. I have XXXX XXXX XXXX XXXX  daughters and its been very difficult and rough but hanging in there for my family. XXXX part is how Im still able to file weekly claims even though Ive missed almost 8 weeks of payments since all this have occurred.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-04-19
Company: Experian Information Solutions Inc.
State: LA
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 have no knowledge of the following inquiry : XXXX XX/XX/2018 Please investigate to ensure there is no fraudulent activity

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 2023-04-18
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: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A FEW ACCOUNTS I DID NOT AI=UTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX   INVETIGATED AND REMOVED THE IANCCURATE DATA. I FORWARDED THE INFORMATION TO EQUIFAX AND XXXX BUT THEY HAVE YET TO FOLLOW WTHE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I called Wells Fargo and explained to them that someone had stolen my phone and had all my banking details and mobile walkers and were going XXXX around taking money out and that my phone had went missing a week or XXXX prior to me making the call and once I realized they were in my accounts I called and reported it and made a police report with XXXX police department about the people in my accounts and paying people through pay pal and also using my phone to take money out at stores etc. Wells Fargo gave me a temporary credit for what was lost and then upon the investigation found I was at fault and reversed the credit which made my account go to negative XXXX dollars where it stands today. I did everything I was supposed to do in reporting. I XXXX was not at all responsible. I need help because Wells Fargo said theres nothing I can do even if I made a police report. This has made my Wells Fargo account in a bad way and Ive been a loyal customer for 14 years. I would like my credits back to my account

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 2022-09-06
Company: JPMORGAN CHASE & CO.
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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. 
Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$11000.00} If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sued by a debt collector from a credit card I never had, yet they claim I owe this money. This is a bogus credit card that I would Never have and dont know how this company obtained my information. XXXX Credit Card. I have Never heard of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called this collection company on XX/XX/18 at XXXX XXXX. I first spoke to a XXXX who said they were unwilling to accept payments from me unless it was one payment for the total amount owed. Once I said I couldn't do that, he transferred me to their legal depart. XXXX got on the phone and said since I am not cooperating, by not paying the full amount up front, that my account is now on hold for legal review. I asked him to explain what that meant and he wouldn't. He kept repeating its in review for legal. I asked to speak to his supervisor. He transferred me to XXXX XXXX who as well began threating legal action. I asked her what type of legal action and her response was, " you don't pay me nor are you my boss, I don't need to answer that question. '' I kindly asked her again, what are their policy and procedures to collect a debt and she again said she isn't my attorney and refused to answer. I asked her if I could please start sending payments and she said no, they would only accept the amount in full and if not there would be legal implications. Again, I asked what type of legal implications and she refused to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/22, I was on the XXXX website looking for banks that offered HELOCs for a secondary/investment property. Rocket Mortgage ( RM ) company was one of the banks marketing such a loan product. After clicking on the link for RM and completing the questionnaire, RM mortgage banker XXXX XXXX ( NMLS # XXXX ) called me. 

As I said in the questionnaire, I told XXXX that I was interested in applying for a HELOC on my investment property to do some home improvement work before moving-in a new tenant. XXXX kept trying to push me into doing a Refi against the property and I repeatedly told him I didn't want to do that. When I asked to be connected to a banker handling their HELOCs, he told me that that was a small department for RM and there's no one available at the moment and he would have someone call me back. 

No one from RM contacted me about a HELOC but XXXX reached out to me a few more times trying to get me to apply for a Refi loan. Because of that horrible and deceptive experience, I ended up not doing any business with RM. I also told XXXX that I would file a claim with the CFPB against RM regarding their deceptive and predatory practices. 

I created a " task '' to file the claim against RM and am finally getting around to it today. I had the flexibility to move-on to another bank for my needs because of my financial means and above average credit score. And I was able to recognize deceptive and predatory tactics being practiced by RM. 

Still, there are a lot of people not in my fortunate position being preyed upon by RM and I wanted to bring this matter to your attention. It would not be hard for the CFPB to prove this deceptive practice being executed by RM and I pray that you all do so and hold RM accountable for their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, i have reviewed my consumer report and notice that your alleging reporting the following account are LVNV FUNDING LLCXXXXWithout runished any substanital proof of verified according to the federal law, in order for you to report this account you would have had to verify and validate all alleged debt. As of XX/XX/2023, I am asking to provide to me that i had a contract to engage with LVNV FUNDING LLC, to cause such debt to exsist. As a result of this our must removed immediately be removed from my consumer report As i do challenge your validity pursuant 15 USC 1681B. please consider this letter as an initial communication demanding any evidence of my obligation to above mentioned account. As a reminder, any account that you continue to report without being able to validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separate. this is not a dispute of ownership but as a consumer i am aware of my FEDERALLY PROTECTED RIGHTS, if you cant prove the requested documentation my demand is that the account be removed immediately upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: PA
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 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: DISCOVER BANK
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Discover allowed an identity thief to access my account for fraudulent charges during XX/XX/2016. The following transactions were never investigated, or credited back to my account even though I provided proof that they were not made by me. 


XXXX. Date Post Date Description Amount XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$3.00} XX/XX/16 XX/XX/16 XXXX  XXXX 'S # XXXX XXXX XXXX CO {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX 'S # XXXX XXXX XXXX CO {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX CO {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX  XXXX XXXX {$27.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 
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 2023-09-01
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed out of XXXX $ total by a fraud website called XXXX. I immediately disputed it to my bank Chime and they refused to get my money back or help resolve this issue. I've sent multiple letters to the bank showing the proofs and evidences of the scam that was done to me and they refused to help me. The dates which the scam took place were on XX/XX/2023 to XXXX XXXX XXXX for XXXX and XX/XX/XXXX  to XXXX XXXX XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: DE
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 would like to state that Experian is in violation of 15 - USC- 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the cnsumer. 
I the consumer never gave Experian any written consent to report anything on my consumer report. I told them to remove these inaccuracies off my consumer report. They are hurting my consumer report keeping me from extending my credit. if not removed i will not extend my credit to anyone or allow Experian to furnish a report for me. 
Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consumer reporting.

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 2022-09-05
Company: EQUIFAX, INC.
State: VA
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 there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Ive been a capitol one customer for decades and I made my payments on time and never been late or had any past due amounts and sending larger payments so I can have a better credit score ....  few months ago around XX/XX/2019 capital one ended there relationship with me because they were telling me that I opened up too many disputes under my credit card some of the disputes were open up without my permission and most of them were done by my guardians and my wife and I was out of town and capital one will not re-open my account and revoke my credit card and I lost 60 points off my credit score I was very disappointed and sad capital one was my first credit card and the best bank and they let me down and I dont want to re-apply Im willing to talk to them and work out a deal to restore a credit card relationship with capital one ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: IL
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 my 7th 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. 
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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