BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Nutshell : Bank of America doubled the fraud by allowing a XXXX company to claim it never received the returned, fraudulent laptop from me IN PERSON so my XXXX bank gave them money back, too, despite my protests and proof of the return. 

This was for a laptop purchased as new while living abroad in XXXX ; the company XXXX sold it as new, but it was actually refurbished, malware-laden, and did not have its XXXX XXXX license activated, which costs over {$800.00} through XXXX to put this fraud into perspective. 

The conman saleswoman even had the nerve to begin stalking me, calling me 6 times in a row one day begging me to explain to the bank not to reverse the entire purchase that would have included a 1 Tb hard disk drive. I assured her I only asked for the portion of the laptop to be returned in the initial claim, as I did not believe her XXXX   that I would receive a refund from her company in literally a month. I did not receive a refund for the junk, but my bank ultimately believed their new story that I never gave them the laptop and would not pay my claim, taking {$540.00} credited earlier OUT OF MY FEDERAL SOCIAL SECURITY DISABILITY PAYMENT I RELY ON TO SURVIVE IN XXXX. 

A supervisor lied to me that I would be sent a message allowing me to appeal the decision and submit additional proof through the bank 's interface. 

This never happened, so I have attached here the exact email sent by that conwoman confirming the return and partial refund on the day I gave her the laptop back in person, including its attachments of her business card, a copy of the original receipt with her checkmark, and an XXXX spreadsheet of upcoming bank credits that is the only proof of return and refund she would provide. 

Bank of America Claim information : Current status : Resolved - claim not paid Help for Resolved - claim not paid Claim ID : XXXX Claim amount : {$540.00} Initiation date : XX/XX/2018 This bank will become nothing more than my XXXX pass-through going forward for what it's done with this and a very clear dental claim of fraud of over {$2000.00} I had to take care of myself ( with the new practice owner months later ) because this bank dropped the ball on it, too. 

Bank of America are XXXX XXXX who believe themselves entitled to regularly lie during calls with clients. As a result, they have cost me over {$2500.00} in fraud supposedly covered in addition to making me cover the cost of all overseas calls with waits of over 30 minutes.

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 2020-11-16
Company: DISCOVER BANK
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:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - XXXX  XXXX XXXX status closed charge-off {$3100.00} In XXXX  1- XXXX XXXX on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX  status closed charge-off {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX we bought household items at the Sears XXXX XXXX Outlet store, in XXXX. The goods were delivered by Sears on XX/XX/XXXX. They were installed later, once the installation of the kitchen furniture was completed. On XX/XX/XXXX, an attempt was made to use the oven and microwave, neither of which worked. We contacted Sears to make the appropriate warranty claim, but had no response from the store. We continue to insist, without result. During the month of XXXX, after visiting the store in person to again complain about the lack of warranty service, Sears staff visited our home to check the equipment. Sears staff indicated that they were unable to repair the equipment because they needed to order additional parts outside of XXXX XXXX. Despite insisting on the need for repair of the items even on XXXX XXXX, Sears did not respond to the claim. During the month of XX/XX/XXXX, Sears people visited our home again and took all the parts they had delivered for the repair of the equipment, indicating that they would return to collect the belongings. Subsequently, they called from Sears informing that a credit or return of the equipment was going to be granted. However, to this day, after tirelessly claiming Sears for a new equipment warranty, we still don't have an oven or microwave. The credit card was reported that Sears was going to give us the credit and nothing has happened, they continue to charge the same cost without solving this problem.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: MS
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mines. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2022-08-09
Company: EQUIFAX, INC.
State: FL
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:
This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXXXXXX. Account Number : XXXX ; Account Name : XXXX  Account Number : XXXX ; and Account Name : U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: NAVY FEDERAL CREDIT UNION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I submitted an application to refinance our existing home mortgage with Navy Federal on XX/XX/2020. We have been in communication with Navy Federal for 5 months and they still cant give us a closing date and in the meantime they are collecting interest payments from us for our existing mortgage with them at a higher interest rate. During the last 2 months Navy Federal representatives contact us to ask us if we have any questions and state that they will escalate the matter to a supervisor and no one contacts us to respond to our questions including a closing date. We only get contacted by the same person asking if we have any questions. We have tried calling and sending emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Rent Recovery Solutions
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: Account status incorrect

Complaint:
FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} RENT RECOVERY SOLUTIONS Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Kentucky Higher Education Assistance Authority
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: Account status incorrect

Complaint:
Yes a lot of collections on my account that I didnt authorize it I am a victim of identity theft so let a lot of stuff shouldnt be on my credit please dispute all them not the car loan every thing else thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Back in XXXX I applied for and was approved for a Virtual Wallet With Performance Select account. Overall I've been quite satisfied with this account ; however, after several months, the requirements to keep the account fee free became burdensome so I elected to change my account from a Virtual Wallet With Performance Select account to a Virtual Wallet account. This new account only required " {$500.00} or more average monthly balance in Spend + Reserve '' accounts to keep the account fee free. 

In order to make this product change, I clearly remember going to the " preferences '' tab of my account and sliding the balance slider to compare the benefits of a different edition to my current edition. I went ahead and clicked the " Change Edition '' button in order to change my account to Virtual Wallet. The request went through, and I assumed I would have no problems as long as I kept a minimum of {$500.00} of the account. At that time my account balance was {$520.00}. 

Fast forward to today, I just reviewed my account and I see that I have been charged {$25.00} account maintenance fees for both of the past two months. I asked customer service about this, who very flatly said that there was no record of my account change taking place and that all they could do was change the account type ( which I had already done online myself several months ago ). While it appears as if the account change is now confirmed, I am still out the {$50.00} in fees for a mistake that appears related to PNC 's information technology.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX SOLD TO XXXX XXXXL THE XXXX XXXX  ON XX/XX/XXXX XXXX DELINQUENCY WAS XX/XX/XXXX SEE EQUIFAX REPORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my truck and deposited the check ( XX/XX/XXXX ) into my checking account ( under 2000 ) When I called the bank ( XX/XX/XXXX ) about not having the XXXX they promised at time f deposit available by the second day I was told they were closing my account and holding any other deposits which came into the account ( including my son 's SSI ). Even though they have spoken to the other bank and were told the account was good and the money was available and that the check would be honored and the bank verified her contact information which is printed on the check as being valid Chase will not accept that. They informed me that even though the check will clear they are still freezing my account, holding all deposits including the check and direct deposits simply because her phone number is not listed under her name. This is a common thing, my phone number is listed under my husbands name. I do not see how they can hold money which has nothing to do with the check in question and to close my account even if the check clears and make me wait up to six months to receive a check from them which I am then supposed to deposit where? I have children to care for including my XXXX XXXX son which his money is one of the things they are threatening to hold. I also have a car payment and we have this annoying habbit of needing to buy food to eat in order to stay alive. They are making it impossible to do this because her working phone is listed in someone else 's name? I do not see how this is legal. From all the research I have done they are supposed to release it within two business days but certainly not more than 7. They do not disclose that they will close your account and freeze all money if you deposit a perfectly good check if the person in question does not have a phone in their name. Again the check has her phone number printed on it and her bank has verified every possible question given to them. I understand holding the check until it clears but to hold everything else and close my account when I just set up two direct deposits is beyond belief and not standard practice. I spoke to 4 different people at chase and two people at the other parties bank in an attempt to resolve this issue this morning. I have to wonder if this issue is an attempt to not pay me the new account bonus. I can not figure out another reason why a perfectly good check which was verified by the issuing bank would cause these problems and that even if the check clears they will not honor it as good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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:
There are alleged accounts and bankruptcy showing on my credit report that I don not recognize Pursuant FCRA 623 I am demanding that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a short sale on my property a few months ago to my mortgage servicer Wells Fargo. Wells Fargo countered the offer 5 weeks ago, the buyers countered back. The offer is almost the appraised value, off by maybe {$2000.00}. Wells Fargo will not reply now to phone calls or emails. Its been nearly 4 weeks with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have XXXX  XXXX XXXX and am unable to read my Wells Fargo auto loan statements. I changed my telephone number last year and Wells Fargo did not have my new number. I was unaware that I was two payments late in my auto loan until a repo man knocked on My door and towed my car off. I immediately called Wells Fargo to update my telephone and attempt to make payment. Throughout several days of calls I explained my situation and requested that my case not be reported to the credit agencies I paid the fees and got back my car after two days but Wells Fargo said they were unable to help with the credit reporting issue. I believe their repo process is predatory

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 2020-11-13
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting negative incorrect information on my credit report i have asked them numerous times to correct it and they refuse they keep responding verified with XXXX i have previously attached a copy of my XXXX report showing where it is not being reported on my report but still comes back verified

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 2018-12-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( Trans UnionXXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry. I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the facts that the information was either not retained by the creditors or not mine. I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! 

I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the creditors in question, when I called back and demanded to speak to a supervisor to find out the status of the Validation demand that I had filed, I was informed by a person who stated that HE was a supervisor, but refused to provide me with his operator number or extension, that THEY were not required by the FCRA to provide any VALIDATION information. 

I have followed the letter of the law yet the credit reporting agencies have ignored and refused to address my legitimate problemcan you Help?

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