BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was referred by the XXXX District Court of Maryland in XXXX to the Consumer Financial Protection Bureau regarding my complaint with Bank of America. A representative a couple years ago via phone rudely addressed to myself that Bank of America would aggressively close my account. I had attempted to resolve the issue ; however the financial institution did not listen. They had shared that it was because of a report to XXXX. I had investigated the report ; XXXX had removed the debt because it was proven to be inaccurate with the documentation that I have provided. However, Bank of America still refuses to open a bank account, despite the removal. My complaint is how aggressively they had closed the account in general. I was recently shared by a representative in person it was due to " issues with Bank of America. '' In addition, there are other civilians who occasionally complaint about the financial institution. Respectfully, and as a voice for communities, other consumers have shared that representatives are disrespectful towards them, have high expectations and have them wait for extensive periods of time. As a courtesy, these issues are being addressed because there are communities, such as XXXX, MD, and New Jersey that are unhappy with Bank of America. Consequently, and per the referral of the XXXX District Court of Maryland courthouse, I am raises these concerns, and matter to the Consumer Financial Protection Bureau.

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 2022-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by XXXX, XXXX, and TransUnion on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.

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 2021-07-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted Experian several times about information they are reporting on my report. I sent in my photo ID with the correct spelling of my name and correct mailing address but they refuse to correct this issue.

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 2021-07-04
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a Brinks Netspend Prepaid card saying I have previously been their customer - which I have not ( as of the writing of this I will be XXXX  tomorrow XXXX and have never had nor opened any prepaid card ).

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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a copy of verifiable proof, you must remove the accounts listed below. ..XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : 14 XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : 07 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 explanation
Consumer complaint received 2018-07-06
Company: HUNTINGTON NATIONAL BANK, THE
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:
{$500.00} was taken out of my bank account by Huntington Bank without prior proper notice. Amount was taken out on XX/XX/2018. Call was made to Huntington customer service on XX/XX/18 and I was told their collection agency took out the money and there was nothing they could or would do. Calls made to Huntington 's collection agency on XX/XX/2018 resulted with the same results. I also requested a research of the transaction on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a promo bonus with XXXX XXXX XXXX. 

In the promo and the terms and conditions, it stated that you will receive a {$300.00} bonus by enrolling in online statements and making 5 qualifying transactions by XX/XX/XXXX. 

The promo code was XXXX and when I applied online it said it was successfully applied. 

I completed everything and made my deposit and completed all qualifying conditions to receive said bonus. 

Just to be sure, I called XXXX XXXX customer service and was td after half an hour of holding that it wasn't eligible im Texas. Was told that again by an employee when I tried calling my nearby XXXX XXXX center. 

The problem is, no where in the terms and conditions is it stated that Texas is not eligible. The page where you input the promo code also asks for your zip code. 

Other institutions do not allow you to open an account with a promo code if you do not reside in the area. 

I have actually spoken to others who reside in Texas on XXXX and they have stated that they have received the bonuses. Many others have been told that Texas is not included in the promotion, yet it does not specifically state that Texas is not included. 

This is a link to the offer. 

XXXX XXXX XXXXXXXX It is the same one but this is an extended offer which expires on XX/XX/XXXX, mine expired on XX/XX/XXXX but you have until XX/XX/XXXX to complete the conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04
Company: EQUIFAX, 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:
Over the course of the past 1month I have disputed several items on my report and my score has dropped drastically. Im not late or delinquent on any payments this makes absolutely no sense. Please review my file and correct my my score because the current score is a 120 points difference from my other two whos have the exact information contained with in them. How does my score go from a XXXX to a XXXX and Ive missed not a 1 payment my payment history is 100 % please explain I have no high credit card balances no collections. I dont understand

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wellsfargo has committed fraud already once against me by opening a checking and savings in my name, I tried to give this company a chance opening an account, just last year I opened a credit in my name XXXX dollar credit limit, well Wellsfargo was giving more problems with the checking I had it closed well I also disputed a charge and was sent a final decision on the the amount disputed it was permanent, wells Fargo seem to get mad because I closed the checking, they have committed fraud again, I talk to a loan officer and explained what they did, Wellsfargo charged my credit card for the amount I had disputed on my checking account and that was very illegal, the loan officer had told me they are not allowed to my charge credit for anything that has anything to do with my checking account my credit limit was XXXX im only allowed to spend XXXX they have did the samething to me I closed my credit card account do to the fact of fraud they have committed against me, they need to resolve before I get legal representation to sue wells Fargo I want this off my credit and I want compensation for the fraud they done by charging my credit for knowing that your not supposed to do that I want contact from the mediation dept to resresolve this matter, I do know Now a consumer can sue a bank now they need to resolve this before I file a suite against them

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 2018-02-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Pro Collect Inc. in XXXX Tx representative threatened to reage 7plus years debit after it has already been completely removed from all 3 credit bureaus only one amount was on there from them which was {$550.00} now they are adding 4 more years are ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) all from the past. I received an invoice of {$400.00} which is not on my credit report but they are putting it back it's been over 10yrs for  this one. I spoke with the representative on XX/XX/XXXX around XXXX @ XXXX a female she only seen this one but we got disconnected and so I called back in a male answered XXXX at XXXX and told me he see the one 's in the past that need to be paid and if I don't they'll place them all back on my credit report. I advice him that they've been off for years now and he stated it's Texas they can be put back on for up to 10years.

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 2021-01-03
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Covid has caused struggles of job lost and family members returning home to my house because work is not available. It is hard to maintainXXXX persons in the household now I somehow have to deal with XXXX family members, much less keep up. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contacted Bankruptcy court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties. Therefore I conclude that credit bureau falsified response when stated that they verified information on my credit report and it is accurate.

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 2021-07-04
Company: Chime Financial Inc
State: TX
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:
On XX/XX/XXXX there were 3 transactions in my bank account. On XX/XX/XXXX. I contacted the bank they started a dispute and refunded my money. Then in XX/XX/XXXX Chime bank said they contacted this " merchant '' and that they confirmed the charges so they took the funds back out. {$330.00} was deducted for 3 transactions that I did not authorize since XX/XX/XXXX I have called everyday to ask for the merchant information because there is none that I can find and they will not work with me to give me the information in have submitted 18 disputes with tons of documentation and they will not respond. A total of 34 emails have been sent and no response only to spay it was a justified transaction. On my bank statement these 3 merchants are not even in English and there is no information for them. The email listed is fake. I have the documents from spoof @ gmail and from spoof @ XXXX stating these are fake websites. I have submitted the documents from the United States Post Office saying no packages were delivered to my home address within the past 90 days. Also the tracking number they verified it to belong to different home address and different person. XXXX also sent the documents stating a different card was used with my name being fraud. I contacted XXXX  XXXX  and TransUnion and there are about 18 internet applications with mixed my information with some elses. So a freeze has been put on my Credit and a fraud alert has been set up. Apparently my accounts have been hacked and I did not even now it was this serious until I tried to remove these charges. The same 300 merchants tried to access my XXXX, Chime, and XXXX accounts. I need help to resolve this issue for the bank refuses to even look at all the documentation I have provided by responding only that they contacted the merchant but I don't understand how if all the paperwork I have shows them to be fake websites and people. 
XX/XX/XXXX {$110.00} XX/XX/XXXX. {$110.00} XX/XX/XXXX. {$110.00} Refunded on XX/XX/XXXX Then deducted again on XX/XX/XXXX ... XXXX {$330.00} I have all the documents for thiese XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid a fee to secure a locked rate on my mortgage interest rate at 3.625 % I was given a 3.75 % rate at closing and a year and a half later I was given a " remediation '' check in the amount of {$2100.00} dollars for the rate lock I paid for that never occurred. This is a very deceptive practice. Classic Bait and Switch. When I brought it to the attention of my Loan Officer XXXX XXXX at closing. She acted as though the conversation and transaction never happened. Since a " remediation : check was dispersed to me, it solidifies my contract issue. This is a clear breach of contract, and Bad faith business transaction. I have no one in my corner and am at the mercy of whatever my mortgage company says happened. Even though I know they are not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: IL
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/2018 I received an alert showing that an inquiry for XXXX XXXX XXXX appears on my credit report. Because I did not authorize this inquiry nor had any knowledge of it, I immediately contacted XXXX XXXX XXXX at the number listed on the inquiry ; who instructed me to file a dispute with Experian. After calling Experian, the inquiry still has not been removed from my 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 explanation
Consumer complaint received 2020-08-31
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: Information belongs to someone else

Complaint:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT FILE AND THE CREDIT BUREAUS ARE NOT HELPING.

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 2021-07-04
Company: Experian Information Solutions Inc.
State: GA
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:
Fraudulent inquiries on my credit report attached is documentation

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 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Fraudulent inquiries on my credit report attached is documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED 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