BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
My phone with a wallet attached on the back was lost/stolen on XX/XX/2021. Both the password for my phone and pin for my debit card are the same. There was several transactions posted that was not authorized by me. The first charge started on XX/XX/2021 for a wire payment amount of {$2000.00} via XXXXXXXX XXXX Unfortunately I wasn't able to see this initial unauthorized payment until my phone was stolen forcing me to anaylze my entire account realizing the charges might be by the same person. More transactions posted for {$2500.00} on XX/XX/2021 and {$1900.00} on XX/XX/2021 Also 4 atm {$500.00} withdrawals. I've contacted SunTrust but they have no answers for me and no resolution yet, I've now filed a complaint with CFPB and writing another letter to SunTrust now to back my claim.

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 2018-10-02
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: Information belongs to someone else

Complaint:
inaccurate information reported to the credit bureaus, FTC violation, submitted the FTC report to all 3, Sent PO report already, more than 45 days

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 2021-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert yesterday on XX/XX/21 fron Experian that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX. 

I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me. 

Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages. 

The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account. 

I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My accounts were incorrectly charged overdraft fees on debit and ATM withdrawals

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 2019-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with customer service

Complaint:
To whom it may concern : On or about XX/XX/19 I contacted CapitalOne to inform them of an issue regarding a refund that I was waiting for, in the amount of {$400.00}, from a total charge of {$440.00}, charged by : XXXX, CA XXXX Purchased : Tue, XX/XX/2019 Posted : Thu, XX/XX/2019 Purchased By : xxxxxx Appears on statement as : XXXX XXXX XXXX CA XXXX USA. I received the refund, in the form of a check, on approximately XX/XX/19. In the interim, Capitalone offered to redeposit {$400.00} towards my Mastercard, however they were remiss in disclosing that they would be contacting the merchant or withdrawing {$400.00} from the merchant 's bank. Had they done so, I would have declined to receive the credit. I contacted CapitalOne by phone and spent more than two hours with their representatives, attempting to cancel and withdraw the complaint, and reapply the {$400.00} charge to my account, however they refused to do so. They are forcing me to wait until the merchant responds, even though I have, as the account holder and consumer requested otherwise. This is absolutely unnecessary, and it is harmful to me, as I continue to do business with this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I opened up an account with bank of America in 2019 and upon doing so a couple of months in my card was stolen or lost and someone attempted to cash a fake check in the amount of XXXX dollars in my account that was rejected my account was closed shortly after on XX/XX/2019 and when I explained that it wasn't me, I got the run around. also, I was never told that it would be on my consumer reports because the closure status read paid in full but since I haven't been able to open an account so upon request, I filed a dispute with XXXX XXXX, but I was told it was never on file can you guys please help me get back to normal this is very much hardship for me especially when I did nothing wrong.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX, a representative from XXXX XXXX XXXX XXXX XXXX ( hereafter, " XXXX XXXX '' ) offered to reduce my student loan monthly payments to {$360.00} per month. My monthly payments were substantially higher, so I accepted their offer. I continued making payments to the company from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX that the company had accepted my cancellation request for their services using their ID number. 

Unbeknownst to me, the company had contacted the US Department of Education and changed my address from XXXX, PA to XXXX XXXX, CA. Furthermore, the company submitted paperwork indicating that my monthly income was {$0.00}. At the time, I was employed as a full time high school teacher. As a result of the changed income, the US Department of Education granted me a forebearance of my student loan debt ; meanwhile, I was paying the company {$360.00} per month. [ My credit report still indicates XXXX XXXX XXXX, XXXX XXXX, CA XXXX as a previous address. At no time in my life have I ever lived in California. ] As a result of the company 's phony paperwork with the Department of Education, my loans eventually came out of forebearance and defaulted. I contacted the US Department of Education, and I recall filing a complaint with them, but never heard anything further apart from receiving notices to pay my student debt. Ultimately, I contacted XXXX XXXX XXXX, who reduced my monthly payments to {$50.00} per month which was reported and paid to the US Department of Education. 

I am a XXXX XXXX  with a XXXX XXXX XXXX from XXXX XXXX. In XXXX, XXXX, I filed a claim with the Social Security Administration for XXXX, which was ultimately granted at an administrative law hearing in XXXX, PA in XX/XX/XXXX. I contacted the US Department of Education and was granted a full discharge of my student loans, with a three year post discharge monitoring period. Incidentally, my wife has XXXX XXXX XXXX along with a XXXX XXXX XXXX. She has also filed a claim for XXXX and hopes to have her loans discharged soon after she wins her hearing at the end of XXXX. 

Upon seeing Attorney General XXXX 's news report about taking on another phony student loan company, I decided that I should seek redress and potential relief from their deceptive practices.This complaint in its entirety was filed with the Pennsylvania Attorney General 's Office, who handed it over to the PA Bureau of Consumer Protection, from whom I received a response on XX/XX/XXXX by Agent XXXX XXXX. My account number with them is 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 2023-06-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from Wells Fargo a while back but I thought it was fake. Now I see they have settled the case against them during the time of me having an account with them that I closed. I believe I am apart of the settlement.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2023 I received a notification stating that an " XXXX XXXX XXXX '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, XXXX and EXPERIAN. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX and it is now 30 days past and the inquiry has still not been removed from my credit report.

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 2023-11-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank has siphoned my {$2100.00}. Please take action ASAP. My phone # is XXXX. My Case Bank Checking Account # is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tried numerous times to refinance loan from adjustable to fixed. Tried 10 years with zero success

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 2018-11-14
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received any notice of this bill until it appeared on my credit. I don't have gas service to my home. Once disputed, still didn't receive validation just a letter with the balance on it. They continue to call my job and I never authorized anyone to contact me at work. They call my mobile phone as well. When I answer, it's a robocall and no one responds. When you call them, you are put on terminal hold waiting for a rep to answer. I want this removed from my credit report immediately as I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
A year ago, on XX/XX/2018, I went to a store to realize that my credit card didn't work. I called the Bank which was Chase and ask about it, the agent told me that all my credit cards from Chase were closed and that no information can be disclosed until I will receive a letter about it. 
I had 5 chase credit card, the Chase Business Ink, the Chase Sapphire Reserve, the Chase Freedom Unlimited, the Chase Hyatt Credit card, and the Chase Ihg credit card. In addition, my wife that was an authorized user on one of my cards, got her only card closed ( the Chase Sapphire Preferred card ). 
Chase claim was that I was requesting too many credit cards in a short time and that was a payment made from another company once. 
Although I had these 5 cards with Chase, they were open over a long period of time ( 4 years ) and they had different purposes. I always paid my bills on time and never had high spending on those cards. My incomes were high enough to justify all the credit limit I had. 
I did pay off once my balance with a check from a company, this was because I had a contract with them and some of my expenses that occurred during my work with them were paid with my personal credit card. It was normal to reimburse these expenses directly from the company 's check. 
I called Chase many time and spoke with many representatives but no one was able to help me with this. 
I'm reaching out to you to help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Finally spoke to someone around XXXX named XXXX XXXX in tax department. He said he would have answer for us based off of our mortgage going back to normal by XX/XX/10. The company said my taxes went up XXXX but they did not that illegal! They would do another escrow analysis to show that it was just a tax payment not paid from previous owners!!! And they will have it fixed by XX/XX/10! No answers with this place .. spoke to XXXX today in tax department and all of the sudden I dont have authority to speak to them even though my husband and father gave them authorization once and added me yo the account. You get nowhere with them! They just take your money and dont care! Horrible customer service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions 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:
I have been contacting Experian since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Experian claimed they verified the information. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent both documents to Experian to remove the unverified information. Experian has not removed the 3 bankruptcies even tho the bankruptcies are unverifiable.

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But Transunion IS NOT doing anything. 

The inquiries are XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Card Services : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Card Services : XX/XX/XXXX 2018

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 2019-08-29
Company: Mandarich Law Group, LLP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I knew nothing until I received a summons, suing me and my supposed spouse, " XXXX XXXX '' ( I am not married ) for " breach of contract '' in the amount of {$10000.00} by an attorney, XXXX XXXX XXXX of Mandarich law group , llp XXXX. XXXX XXXX XXXX, il. XXXX on behalf of plaintiff, XXXX XXXX, XXXX XXXX I have never heard of any of these people. The only time I owed that much to a credit card was when I was first terminated from my job for being XXXX which was 2005. Those debts were long written off of my credit report. 

Can anybody Sue me for any length of time?? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts 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 non-monetary relief
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. 
I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2018-05-14
Company: Eagle Accounts Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Child support says I owe a Debt of {$600000.00} and I can't Dispute the Debt they say I owe. I have been XXXX for 9 years and they have been lying for the last 9 years under Oath and the orders sent has no court seal nor judge signature which makes the order sent null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX overcharged me for cable and internet services. I was moving to a new location thus I called the company to cancel the services on XXXX XXXX, XXXX which was 5 days after the billing cycle ended. Even though I did not use the company 's services after XXXX XXXX the company charged me for the full service cycle from XXXX XXXX to XXXX XXXX for {$140.00}. Subsequently, XXXX never reached out to me after the XXXX XXXX date when I called to cancel. XXXX then had a debt collection agency try to obtain the debt which is incorrect since I did not use their services once I moved from the location on XXXX XXXX. Currently, XXXX and the debt collection company have reported the transaction to the credit bureaus which impacted my credit score. XXXX aggressively and incorrectly took action to overcharge me as a customer - they should not be allowed to charge for a full payment cycle once I cancel the services.

Company response to consumer: Closed with non-monetary relief