BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates. 

After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details. 

Therefore, I have to ask CFPB to get involved and help to solve my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are having a very difficult time with Bank of America [ BofA ].  XXXX XXXX has been applying for a modification since XX/XX/20. Bank of America keeps asking for the same documents every week. They are now also asking for ridiculous questions on the make this process next to impossible for me to get the the underwriter and get a fair review. 

XXXX XXXX is XXXX years old and retired. She stated her income on the RMA as pension and a small SSI income. Pretty simple. BofA of America has done everything they can to make this process in possible and completely dysfunctional. Its is starting to feel like bank fraud on predatory lender on the elderly. 

On XX/XX/20 XXXX XXXX was requested to explain bank transfers. It was explained on the phone it was simply transferring money to a 2nd account to pay bills. Any processor who can read a bank statement can figure that out. XXXX XXXX was required to send in a letter of explanation. 

On XX/XX/20 XXXX XXXX was required to do more explaining on very basic underwriting. 1st question regarding XXXX XXXX income that no longer exists. The 2nd questions regarding a PERSONAL LOAN Balance forward that is clear and explained on the bank statement if a processor took 30 seconds to read. A letter of explanation was sent  that day. 

On XX/XX/20 BofA is now requiring XXXX XXXX to send a letter of dissolution from XXXX XXXX. This is ridiculous. Last week BofA stated because it is self employment income a LOE with end date would solve the question. Now BofA is saying its not. XXXX XXXX was self employed and only received income if she sold the XXXX XXXX products. We're you're self employed you can stop at any time and no documentation is required. What BofA is asking for does not exist. At XXXX XXXX age she is physically unable to do the job as previously explained. This should resolve the issue and move the file to the underwriter.

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: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report i notice a debt collector trying to collect a debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of there affiliates

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 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Mailed in documents to Both Transunion and XXXX. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.

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 2020-05-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm having problems getting in touch with the credit bureaus to update and correct my personal information.

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 2021-02-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a total of {$1900.00} in overdraft fees, service charges, maintenance fees related to fraudulent charges and disputes with creditors which caused my account to go negative. Unbeknownst to me, my account was in a classification of having maintenance fees of {$15.00} if going below XXXX and a forced overdraft usage if account is negative - TD will still cover the charges even if fraudulent, and force the consumer to pay {$35.00}, when a debit is presented, another {$35.00} when rejected, and yet another {$35.00} when TD bank puts it through again. Ive had balances of XXXX {$9000.00} through XXXX up until XX/XX/XXXX, when I became hospitalized with XXXX. During the time of my high balance, TD charged me fees, yet never paid interest or guided me to any higher account. Once I was hospitalized, there was fraud on my account and disputes. I contacted TD Bank Via live chat, customer service and email on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, spoke to several representatives XXXX, XXXX, XXXX, XXXX, last was XXXX by email who stated she represented TD leadership and she called me verbally stating TD BANK has the right to charge overdraft snd service fees related to disputes with merchants even if theyre credited back to the consumer meaning even if there is a fraudulent charge or dispute- overcharge, and merchant credits me, TD bank will still keep those charge of fees on albeit merchant admitted to the errors and issued credits, TD bank takes further advantage of the consumer vulnerabilities and pockets the fees. Even if my account went below negative, TD bank paid transactions and then billed/ collected additional fees when my account had additional funds, on certain days collecting {$35.00} x4 on one transaction alone. When TD bank was notified, they did not care if their customer was in the hospital when these errors occurred, or that I held $ XXXX balance for over a year in a simple checking with no benefits. They aim to be profitable by charging the little people and draining us dry. I am told this is illegal, it is illegal to overcharge overdraft fees, illegal to keep fees in relation to fraudulent and erroneous charges, illegal to charge for overdraft protection when I never requested it in the first place. There is {$1900.00} in fees of illegal overdraft, service and maintenance fees that were stolen by TD BANK and must be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously 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 2018-02-21
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: Information belongs to someone else

Complaint:
Hi sent certified letters with in the last three months to all three credit bureaus and have not received a response.

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 2020-08-26
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had never received a notice from XXXX XXXX for XXXX   XXXX XXXX for overdue amounts from the expressway that totaled the amount of around {$60.00}. The website is very vague and only shows the initial amount that your account went negative so I could only ever see that my account was - {$.00} or - {$.00}. I would get a notification on my email that my account balance was low ( < {$10.00} ) or below {$0.00}. I would make a payment of $ XXXX and the notification would go away and my account balance would show positive balance and as I would travel the XXXX XXXX I would have all green notifications signaling my account was replenished and the notification emails would stop about the insufficient funds. Somehow over the months of XXXX to XX/XX/2019 I had managed to owe around $ XXXX from unsettled amounts from negative balances not being shown on the website, that weren't being covered by my reimbursements. The problem came in when they were sending the notices to a previous address that I no longer had access to and the mail wasn't being forwarded. Over months I was replenishing my account , drive the XXXX to work using money on my account , drive the toll see a green light after I paid. I had no way of knowing this problem way happening until months late in XXXX when I received a clump of finally forwarded mail from Professional Account Management in XXXX, Wisconsin for a sum totaling over {$1200.00}. I was calling back and forth between XXXX XXXX and XXXX XXXX trying to explain the situation over and over again to just get basic information about how the charges happened, where, getting a basic transcript that didn't even have the information I was asking for to prove what I was telling them. XXXX XXXX  representative had said on one occasion it had looked like the transponder had potentially malfunctioned and sent me a new one. I never could get straight answers about what had caused it but XXXX XXXX XXXX   said that they couldn't help me because they had released it to Professional Account Management, P.A.M said they can only waive debt if it was proven to not be your vehicle. I have been stuck in a circular cycle without hope because I am being threatened with an absurd amount, they tacked on {$35.00} on each charge of {$0.00} for " administration fees '' that blew the total cost to 2000 % over the initial charges. I spent weeks of stressing and calling agents who I would have to re-explain every time and anxiously waiting to hear back. If I had any indication that this was happening or that I had owed {$60.00} on my account I would have paid it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Franklin Collection Service, 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:
Beginning in XXXX while I was in the process of retiring from the XXXX I was informed that someone had stolen my identity ( name, social security number, date of birth ), and used it to obtain fraudulent prescriptions. This was investigated by the authorities and proven to be identity theft. Since then, Ive had several fraudulent pay day loans taken out under my name, fraudulent medical bills, fraudulent credit card and personal loan applications applied for, and other fraud related activities. I never received anything in the mail so as I could dispute it. I was checking my credit and one day all of the sudden I had a collections for {$290.00} from Franklin Collection Services Inc opened XX/XX/XXXX. Ive made several ( more than 10 ) phone calls to Franklin Collection Services Inc and was contestants given the runaround. No one ever returned my phone calls. I sent countless emails and once again no one returned any of the emails. So I filed a complaint with The XXXX XXXX XXXX. They responded about 10 days after I filed the complaint and said that their original creditor states that this was a debt because my VA insurance would not cover a visit to see the doctor. Since a dialogue was opened I accepted the businesss response in good faith. After Doing that I was not able to get a hold of anyone once again. Since Im a military retiree Ive had XXXX beginning in XXXX to this very day. I bring this up because I dont have, nor have I ever had VA insurance. This is not a billing issue as Ive tried to explain to them previously. This is fraud. I have several pieces of fraud related evidence from the authorities that Id be more than willing to share. I would appreciate some guidance from Franklin Collection Services Inc in how to remedy this ( remove this from my credit report ) so I can continue to rebuild my life. There must be internal company fraud forms? Surely Im not the very first person to have a fraudulent collection from this collection agency. Im fed up with this collection agency and am almost at the point of filing a formal complaint with the Mississippi Attorney Generals Office, and possibly retaining a lawyer to seek civil damages. This fraudulent collection has negatively affected me receiving financing two separate times. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: SYNCHRONY FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Repeat of the CFPB 's article in 2015 almost verbatim https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ It's not even subtle, there's mockery in it now that they can add little emojis and notes, but it's also hubris that incriminated them in the first place as my family never uses text when making transactions. 

If they have a template for this kind of thing then maybe the CFPB needs one as well to countermand the other.

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 2021-02-28
Company: EQUIFAX, 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:
I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. Equifax, XX/XX/XXXX and XX/XX/XXXXhave these listed on my report. 

XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

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 2021-02-28
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from Best Buy Credit Services, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.

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 2018-02-21
Company: EQUIFAX, 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:
Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
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:
I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, Experian and XXXX have these listed on my report. 

XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXl - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2021-02-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such XXXX XXXX provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.

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