BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
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: Information belongs to someone else

Complaint:
After reviewing my credit report ongoing .. There's a collection Agency..XXXX XXXX XXXX , XXXX .. A Balance of XXXX Opening date XX/XX/2019. That's continuing to appear on my credit Report. I have no idea where this collection came from. i never received any loan from them. And it's showing as if the Account is new.. And I'm not about to be liable for anything i did not do and someone else did it my name ... Police Reports has been sent in to them and all of the Credit Bureaus to have it remove.. And all have done so except XXXX ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudulent..

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 2023-05-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX XXXX. Upon reviewing my credit report from XXXX and Equifax, I noticed that there are two different dates of last activity being reported. XXXX lists the date as XX/XX/XXXX, and Equifax lists the date as XX/XX/XXXX. It also lists the account status as open on the report for Equifax and closed for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX Open case no response, I contacted the company, as to their response, no feedback. Plus the entire process has not been answered. I asked as to why I wasn't told by Mr. Cooper, that I would be subject to a penalty and loss of VA eligibility, as well, as receiving documents of the end result. 

I received neither. This company, is continuing to discredit Veterans, and owes me a proper answer, not some XXXX 

XXXX XXXX XXXX XXXX XXXX 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 2017-09-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My Synchrony Bank/Walmart credit card account : XXXX is lost/stolen and compromised. Someone used my entire credit limit of {$2500.00}. All of the charges are fraudulent, unauthorized and don't belong to me.

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 2023-01-31
Company: Allied Collection Services, Inc. (Nevada)
State: CA
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, ALLIED COLLECTION SE Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2019-07-29
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX XXXX my birth day is XX/XX/XXXX my claim number is XXXX my Ss number is XXXX..On XX/XX/XXXX I was rushed to the hospital because of XXXX  XXXX XXXX I was kept to have emergency XXXX XXXX and was released on XXXX.I had up to10 family members to visit me and at my home why I was in the hospital, which one of them stole my bank cards and credit cards from regions bank and XXXX XXXX and maxed them out in different states, I turned in a police report to regions bank and my hospital discharge paperwork and they denied my claim.Im very distraught about this and seeking justice which this has caused me to have emotional distress.

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 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XXXX XXXX, I transferred {$9000.00} from my Bank of America Checking Account to my Credit Card Account, in hope to temporarily bump my credit limit so I can spend it. 

Turns out, it didn't work the way I hoped. And my {$9000.00} was frozen. 
Firstly, if my money gets immediately frozen, why was the transfer even allowed? There was a very convenient button to do the transfer. 

Later I contacted BoA and they said they'd send me a check to return my {$9000.00}. 
I never got it. 

Last month ( XX/XX/2022 ), I decided to ask again. They said they can return my {$9000.00} electronically and I should receive it in the next billing circle. 
However, yesterday ( XXXX XXXX ) I received a mail saying the operation failed. The explanation was basically " It was too long ago, we can't return the money ''. 

How is it even legal to hold my money this way for almost 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened XX/XX/, 2018 Balance : {$550.00}

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 2018-09-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
ON XX/XX/XXXX I TRIED TO GET A FREE CREDIT REPORT FROM EXPERIAN CREDIT REPORT ONLINE. AFTER NOT GETTING WHAT I WAS EXPECTING I TRIED TO LOG IN TO THEIR COMPANY. NO LUCK. ON XX/XX/XXXX MY CREDIT CARD WITH XXXX VISA WAS CHARGED WITH A {$1.00} CHARGE SHOWING EXPERIAN CREDIT REPORT AND HAS A NUMBER OF XXXX XXXX. THEN ON XX/XX/XXXX I SEE ANOTHER CHARGE ON MY VISA CARD {$21.00} FOR WHICH DIDN'T AUTHORIZE NUMBER XXXX XXXX. 
AFTER SEEING THIS I REPORTED TO XXXX  XXXX XXXX USING THE PHONE NUMBER ON THE BACK OF THE CARD XXXX, I DID THIS ONE ON XX/XX/XXXX WITH A REP. IN UTAH. THEY SAID THEY WOULD FILE THE DISPUTE. THEN I WOULD GET LETER. THNE I GOT THE LETTER SAYING THE {$1.00} HAD BEED CREDITED TO MY ACCOUNT, IN WHICH IT DID. 
THEN AS FAR AS THE {$21.00} IT WAS DISPUTED BY THEM AND I WOULD RECIEVE A LETTER BACK. 
NOW ON XX/XX/XXXX ANOTHER {$21.00} HAS SHOWED UP ON MY VISA ACCOUNT WHICH I HAVE NOT AUTHORIZED AGAIN. AND ON XX/XX/XXXX I HAVE DISPUTED THIS TO XXXX XXXX XXXX AGAIN, A DISPUTE WAS FILED, I WANTED TO FREEZE MY VISA SO I AND EXPERIAN OR ANYONE ELSE COULDN'T CHARGE ME WITH ANYOTHER CHARGES. 
ON ALL OCCAISIONS I HAVE TRIED TO CALL EXPERIAN TO TALK TO A REPRESENTAIVE TO STOP ALL THE CHARGES AGAINST ME. BUT NO LUCK. ESTIMATED 10 OR MORE DIFFERENT NUMBER WERE TRIED. YOU COULDN'T GET AROUND TO SPEAK TO NO ONE. 
ALL I WANT IS TO GET THE MONIES REFUNDED TO THE CARD. AND THEN FOR EXPERIAN TO JUST LEAVE ME ALONE. 
THIS THE XXXX DAY OF XXXX, 2018. 


I WOULD APPRECIATE ANY HELP. THE XXXX  HAS NUMEROUS COMPLAINTS AGAINST EXPERIAN. 

I'LL HOPEFULLY KNOW BETTER NEXT TIME I WANT A 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 monetary relief
Consumer complaint received 2018-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We have 1 Mastercard with Bank America. They bought the card from XXXX XXXX XXXX years ago. 

We pay the entire bill every month, I have an XXXX FICO SCORE. They have been charging for XXXX XXXX  which we did not approve. 

The main problem is I paid TOO EARLY!!!!!!! HAVE YOU EVER HEARD OF SUCH A THING??????? 

I pay the bill at least 5 days prior to the due date to make sure they have time to apply it to my account. we have never ever carried a balance on this card. 

Since last Saturday, XX/XX/XXXX wherein they said my bill was over due. NOT TRUE IT WAS PAID MORE THAN ON TIME.

When my husband called the customer service person said he saw the payment the next payment is due XX/XX/XXXX which bill we have not received yet. 

I tried to get through to the CEO/PRESIDENT whose name is XXXX XXXX XXXX who has been CEO since XX/XX/XXXX and is a lawyer as well. 

As a CONSUMER ADVOCATE i was the problem solver for XXXX in XXXX and got through to all executives - well times have changed. 

When we asked why their web site shows we owe money and the automated voice nonsense says the same -- -- NOT TRUE. My husband got through to a human and the man said we owe nothing and he does not know why his web site says otherwise. 

We are unable to get any kind of satisfaction regarding BANK OF AMERICARD MASTER CARD. 

At this point they are playing games with my Credit Score and this disturbs us. 

There is no resolution to this simple issue. 

XXXX XXXX. XXXX and 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 monetary relief
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
State: TX
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 wire Transfer from my XXXX account to my Wells Fargo account. Wells Fargo claims they have not recieved the wire transfer. Opened up an investigation at XXXX and they confirmed through the Fed Reserve that the money is intact at Wells Fargo. Also Wells Fargo sent a message to XXXX saying they received the wire but they are refusing to release the funds.

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 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Have been the victim of identity theft since XXXX Never opened Perosnal Chehings and or Savings with Bank of America. 
I Never Opened any Business Account in my name with Bank Of America. 
As per XXXX XXXX I Owe a balance. This is the result of result of 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 2021-05-26
Company: Self Financial Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 day late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2022 my personal credit reports were accessed without my consent and while my credit reports were in frozen status. Someone was able to apply for credit under my name and SSN. I didn't give verbal or written consent. I called each financial institution and advised them that I XXXX XXXX didn't give permission to run my credit. According to my credit report, it is only showing inquiries currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: TN
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 concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an XXXX of XXXX to get the XXXX XXXX  to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand XXXX XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

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 2023-02-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions XXXX accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX Collections Account # XXXX ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My first letter to Equifax, XXXX, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has an automated system that is trying to verify Me with information that does not pertain to me. There is and never had been a mortgage on my credit report but it is requiring that I verify who a mortgage was taken out with in XXXX and how much is the monthly amount. I have no idea because I have never had a mortgage and a mortgage has never shown on my credit report or I would have disputed it. I also did not attend any colleges in XXXX but it wants me to verify a student loan that I never had and I was not enrolled in college in XXXX. Equifax has rigged the questions so that I can't answer them to remove the freeze temporarily ; none of the questions apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
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:
This complaint is in response to an existing unresolved complaint XXXX This complaint letter is in response to Wells Fargo 's letter dated on XX/XX/XXXX for the claim above alleging additional information were requested in your letter dated on XX/XX/XXXX however no such request were provided in such letter. In addition, I called your department and spoke to XXXX, in which he refused to give me his last name, and refused to transfer the call to you and told me that a manager will call me but no one did and XXXX didnt mentioned to me that additional information was required from our part. My phone number was included in my letter and never received a call from you either. 
In addition, as you mentioned in your letter 90 days were given to merchant to respond to our claim therefore the burden is on them and is not our responsibility if they fail to respond thus we demand this charges in the amount of {$400.00} to be reverse into our account. 
Also, you mentioned in your letter that you were informed that we had done business with this vendor ; please provide proof for such claim. 
We have been a valued business customer since 1996 and we never have been in this situation being forced to spend time, resources and stress in order to handled 4 un-authorized withdrawals under your surveillance in one month. 
The bottom line is that we didnt receive any services from this merchant and merchant didt provide us with any services ; WellsFargo has failed to provided proof for such claim. 
Our last issue is that WellsFargo has failed to address the fact that the un-authorized withdrawal was done in a date prior to the date allow for withdrawal indicated in the merchant agreement therefore we ask for this charge be reversed into our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Chime Financial Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2023 someone accessed my account with chime, a division of XXXX XXXX XXXX, and made an unauthorized transfer of {$800.00} to a temporary email ( XXXX ) at XXXX XXXX  central time. I filed a dispute with Chime at XXXX XXXX central time and was alerted of a decision of denial within a hour. I called chimes customer service back and requested my dispute to be reopened. On XX/XX/2023 I was once again told my dispute was denied due to no error occurring. I have requested copies of the documents chime has that were used to determine the outcome of my dispute. I have copies of the emails alerting me of the transfer ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
wrong address and accounts 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 explanation