BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was closed for Fraud that wasnt being committed by me. In XXXX I spoke to a supposed BOFA Fraud unit I was asked to pay a balance of {$1600.00} dollars of monies I didnt then or believe now I owe. At the time I was desperate to open an account even after having such a bad experience with bank employees denying me access to an account of mine that had a balance. Employee out of Nowhere said to me I needed a lawyer. Fast forward that account was purged no more than a couple months after it was closed by BOFA which seems really unusual or odd for the account to be purged without out me be informed. Now Im told I have a restriction until XXXX with no clear explanation by BOFA documents etc. my right to know about anything with my identity attached to it is Violated when information is being withheld and im given misleading information to keep me from knowing including from contacting the proper authorities to report this. I have in my pictures photos of screenshots of accounts but with a twist because those are the pictures except the Internet address was swapped from STATIC ETC. to Secure my connection was never secure, that was my biggest concern that I took to a branch in XXXX Oregan were the branch manager of the BOFA went through account and he himself made claims he said were fraudulent monies that were deposited to 1 of the 4-6 accounts that started existing with my original 2 accounts I opened in XXXX BOFA. Those claims were deposited to account on XX/XX/XXXX, I never got access to and disappeared. BOFA gave me statements with no record of any kind on any account. When comparing my XXXX statements, XXXX Oregan XXXX, online Statements, and XXXX XXXX Branch DTLA statements they were not 1 bit similar Like from a totally different computer program print or windows built

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 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have numerous charges on my Capital One credit card from XX/XX/XXXX to current. I have contacted them numerous times to report fraud. They continue to send out new credit cards in my name to an address in California and to my address, without my consent. I have asked for my account to be closed and fraud to be investigated. They have advised it will take up to 90 days. In the meantime, someone is still using the Capital One account to charge items under my name. I have over {$940.00} just in XXXX alone for cell phones and school supplies. I am XXXX, I do not need school supplies or cell phone. They continue to charge on my Capital One account. I do not want to be responsible for these charges as I notified them the day I discovered, which was XX/XX/XXXX. To date, there is a total of {$1800.00} charged that I am aware of based on the statement I received int he mail today. I do not understand how someone continues to charge on my account when I have asked numerous times for this to be closed and reported fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016, I applied for a refinance mortgage loan with my current mortgage company Branch Banking and Trust Company ( BB & T ). On XXXX XXXX, 2016, BB & T sent me a Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent certified letters to BB & T requesting answers to specific questions related to the BB & T statement of credit denial dated XXXX XXXX, 2016. BB & T has ignored my written request for information about the loan denial. 
The following support documentation is included with my complaint ( 1 ) the BB & T Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016, ( 2 ) my letters to BB & T dated XXXX XXXX, 2016 and ( 3 ) my letters to BB & T dated XXXX XXXX, 2016. It is important to note that my CFPB complaint is my third request for information from BB & T about the loan denial ( my XXXX letters to BB & T referenced about plus this CFPB complaint ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Back in XXXX, I received an offer from Regions Bank to open a savings account and fund {$2000.00} to receive a {$200.00} bonus.

I opened the account and added the {$2000.00} to account in the time frame required to earn the sign up bonus.

I waited for the {$200.00} to show up, but it never did.

I contacted the bank and they told me that I won't be getting the {$200.00} bonus because the {$2000.00} that I funded did not come directly from an outside bank.

No where in the terms in conditions states that " New Deposits '' have to come from an outside bank. They refer to " new balances '' but not " new deposits. '' I believe that their terms & conditions are purposely vague and misleading to prevent people from earning the bonus.

Therefore, I would like the CFPB to help me get the {$200.00} bonus.

I will attach a copy of the email promotion.

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 2018-02-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has been 7 months trying to resolve a chargeback issue. Wells Fargo Personal bankers, Wells Fargo Merchant Banking and Wells Fargo 's collection agency can not resolve the issue and provide sufficient and clear documentation on what is owed, what fees were charged and why, and we still can not resolve the issue 7 months later. 

The departments have no way of working together to show what money was passed from my personal bank to merchant banking or to collections, or what was passed on from withheld funds in merchant banking to collections. 

Furthermore, I was charged multiple times for them randomly trying to extract money from my personal and business accounts, and then was charged for the rejected transactions on both the merchant banking and the regular bank. Furthermore, they charged me twice for the processing fees ( the chargeback had been once reversed ). 

No one has reached out with relevant information to resolve debt owed but is going to release the information to a third party to affect my credit even though I have been trying to resolve this issue for over half a year.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Bridgecrest Acceptance Corporation
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: Problem with personal statement of dispute

Complaint:
Firstly, I was traumatically affected by the declared disaster XXXX. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my XXXX  Ive called and spoke with the creditor several times. I am XXXX  because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent and persistent efforts to rectify this issue, the inaccuracies persist, causing severe harm to my creditworthiness and financial well-being. 

There are multiple fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my ongoing attempts to address this matter by following the established dispute procedures, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct an urgent and thorough investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that clearly demonstrate the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent and persistent efforts to rectify this issue, the inaccuracies persist, causing severe harm to my creditworthiness and financial well-being. 


There are multiple fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my ongoing attempts to address this matter by following the established dispute procedures, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 
The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct an urgent and thorough investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that clearly demonstrate the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email stating I opened a savings account ( Ally Bank ) that I did not open. Received an email shortly after stating that I changed the email address on the account and the email listed is not my email. I called the bank listed on the email and they submitted a fraud case.

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 2022-07-15
Company: CITIBANK, N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a {$240000.00} $ wire from a US Citibank branch for the purchase of a home in the US on XX/XX/2022. I am a US citizen. Citibank is saying that the wire is under compliance review. Then Citibank said it is held by the government at OFAC. Later, Citibank said it is at the compliance department at Citibank. 
They did not provide a reason for this hold. They did not provide a timeframe for the review to be processed. They are just telling me they don't have any information to give and asking me to just wait. I have been trying to figure out what caused this review and how long it will take. 
The closing was supposed to occur on XX/XX/2022. It did not. I am in default of the house purchase contract That I have signed. XXXX XXXX XXXX will have to return the funds to my lender. I will lose the house, the earnest money deposit Citibank said it could take days or months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: IN
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 credit report with Experian was merged with my sisters credit report. Her accounts and addresses and everything were taken off. There was a dispute with the XXXX County Recorder about a tax lien on properties ( 2 items ) and they belong to my sister, not me. They are insisting they are correct but they are not. Our Social Security numbers are one number off. My sister is XXXX XXXX ( XXXX ) XXXX. I want this information off my credit history because it was never 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 non-monetary relief
Consumer complaint received 2016-10-17
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was prescribed glasses and decided not get the glasses. So I never signed a contact stating that I would have to pay for the glasses once they are made, however they charge me for them anyone. Why should I pay for something that I do not have or need. Now it is on my credit report in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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:
In accordance with the XXXXir Credit Reporting XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also stated a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: VA
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 ( XXXX XXXX XXXX XXXX XXXX XXXX ), # XXXX ( SELF XXXX XXXX XXXX XXXXXXXX XXXX ), # XXXX ( XXXX XXXX ) XXXX and # XXXX ( XXXX XXXX XXXX XXXX XXXX have 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

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 2018-04-13
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: Personal information incorrect

Complaint:
At the beginning of the year myself and my wife received a copy of our credit reports and we noticed that there are many variations of our names and addresses that are unknown to us, including places of employment. So we deiced to update our personal information with the credit bureaus. 
On XX/XX/XXXX and XX/XX/XXXX we uploaded our up to date personal information including our places of work to Experian credit report upload website, we included notarized proof of our names, addresses and social security number. few weeks later we received copies of our credit reports from Experian and we noticed that they did not delete the inaccurate and old personal information, they just add the new information we send them. So, we did send the information back again on XX/XX/XXXX but this time by certified mail, and as the first time we send them proof NOTARICED of our identity, address and social security card, and once again, our information was not corrected, if they were ignoring the information we were sending them. On XX/XX/XXXXI call Experian to ask for an explanation why the information was not removed if we did send them notarized proof two times?

The answer I got from the agent was, that they will not remove or update my personal information unless a creditor or collection agency inform otherwise. I even argued that I am the only person with all original documents probing my identity, and as an example I ask the agent that if I have my birth certificate with my name written on my hand and my neighbor on the phone telling them a random  name of mine, which party they are going to believed? ... agent .. '' dont take it personal but, your neighbor.. 
Please help me to update my information, what Experian is doing is illegal our information has to be accurate, our names have to be 100 % accurate and all addresses most be removed, they are not deliverable to me or my wife by the US Post office, and they are not reportable as per the FCRA, since they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief