BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-12-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax responds that they can not find a file or that perhaps it is because I do not have open accounts, but I do have them these are my accounts XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 file a second formal complaint regarding the unresolved issues on my credit report involving fraudulent items. Despite my initial efforts to rectify this matter, including providing supporting documentation, the fraudulent items persist, adversely affecting my creditworthiness. 

Despite providing comprehensive evidence and adhering to the proper dispute procedures, there has been no resolution, and the fraudulent items persist on my credit report. 

Enclosed with this letter, please find additional supporting documentation reaffirming the fraudulent nature of the items in question. I have attached : I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, and I insist on immediate corrective action. The continued inclusion of this inaccurate information is causing significant harm to my financial well-being. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough and expedited investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: ALLY FINANCIAL INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Didnt let my charges go through and cause my payment to fail.

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 2022-02-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
From the XX/XX/XXXX until XX/XX/XXXX, I've been trying to clear up the following accounts in my name that I did not give authorization to create accounts in my name or use my personal information. I provided the information of who the unauthorized person was and still the credit XXXX credit bureau and even told them I could provide a police report if need by. However, they have not remove any of the items off my credit report and it severely damaging my credit or my ability to finance anything. 
this are the company I'm having issues with : XXXX ). XXXX- {$250.00} XXXX ). XXXX {$1600.00} XXXX ) .XXXX XXXXXXXX {$6300.00}

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 explanation
Consumer complaint received 2019-11-16
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
REGIONS BANK This is the worst bank I've ever had to deal with. I am retired collecting Social Security income. The representatives you deal with are totally unacceptable, unprofessional and the Banks policy ( according to what I gathered from what the banks representative tried to explain to me ) is NOT fair and downright robbery to any customer, also the Online Statements are not accurate and are deceiving, unfortunately to any and all customer of theirs. Regions Bank. In one of their internet statements it states We're Regions, and we're here to help. REALLY? 
I called my branch hoping they could explain to me why Overdraft Fees were charge to my account this morning, especially since the night before my Available Balance was not in the red. During the call, the representative, after some nonsensible explanation, told me that I would need to speak to the Manager, who wasnt there, she explained there were other customers waiting ( am I not a customer? ). I reminded her that I was also customer and she needed to attend to me accordingly. I wanted her to explain to me why on the evening before, while checking my online statement every line on the statement was positive and that showed a Posted Balance in the positive, then a Pending Balance ( 4 pending items ) and finally my Available Balance also in the positive. All was good and in the positive, at that point last night. 
This morning when I checked my online statement, Regions Bank charged overdraft fees amounting in total for {$100.00} ( apparently, 3 overdraft fees of {$36.00} each ) that was immediately posted after a positive balance and resulted placing any pending charges in the red. Above this over draft fee of {$100.00} were 2 remaining pending items that were from the original 4 pending charges on my account and as stated above were now in the red. 
This made absolutely no sense to me at all. Keep in mind, I was never in the red the evening before which included 4 pending items, mentioned above, that I already knew about and correct. 
The representative could not explain why overdraft fees were charged, that made any sense to me even after explaining everything I stated above and she began speaking over me while I was talking. She insisted that I speak to the manager on Monday. 
This just doesn't make any sense 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 2021-02-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello I have been trying to get in contact with all three credit bureaus EQUIFAX XXXX AND XXXX since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
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:
FRCA Violation credit card WELLS FARGO CARD SERVICE FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections  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 2022-10-07
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
I have a complaint about two charges that are fraudulently being reported on my credit report by XXXX.The firts of two is being reported by RESURGENT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. They have unlawfully and without my permission aquired my information from another company and are reporting that I owe them a debt of XXXX dollars and also XXXX dollars from two separate credit cards. now this is infact untrue due to the fact of me NEVER having a Fiduciary obligation to one RESURGENT RECEIVABLE according to CHP 15 AND 16 OF THE USC 1681 A CREDIT REPORTING BUREAU OR AFFILIATE MUST GET PERMISSION FROM THE CONSUMER AS WELL AS GIVE 21 DAYS NOTICE OF AN ACTION AND OR LATE PAYMENT REPORTING ALSO WITH UTILIZATION AS WELL NEITHER OF WHICH RESURGENT RECEIVABLE HAS DONE AND BY GIVING THIS INFORMATION TO XXXX TO REPORT IN ERROR HAS XXXXNFACT VIOLATED MY CONSUMER RIGHTS AND I WILL BE STARTING LITIGATION IF MY DEMANDS TO REMOVE THIS FROM MY XXXX REPORT ARE NOT MET. THIS HAS CAUSED ME UNDUE HARDSHIP INSOFAR AS I AM NOT ABLE TO PURSUE MY XXXX GIVEN RIGHT OF HAPPINESS OR QUALITY OF LIFE DUE TO NOT BEING ABLE TO OBTAIN ADEQUATE HOUSING OR PROPER VEHICLES. PLEASE REMOVE FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage refuses to let me make a payment on the forbearance COVID 19 mortgage payments for a 3 month period in 2020 totaling {$4200.00}. 

My credit score is XXXX and I have no debt except this mortgage With Wells Fargo {$260000.00}. 

Wells Fargo is listing the forbearance amount as a unpaid second principal balance of {$4200.00} on my mortgage statement. 

I am unable to obtain a mortgage for another property based on the issue above. 

It was not disclosed to me that I would not have the opportunity to pay this balance off until the end of the loan term which is 30 years. I will be unable to secure any addition financing during my lifetime based on this unscrupulous tactic. 

I want to pay the {$4200.00} balance off. This amount is not an unpaid second principal balance which makes my financial situation look derogatory.

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 2023-01-21
Company: Block, Inc.
State: FL
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/2021. My debit card through Square had its information stolen. My card was then used to make five very high dollar amount purchases at two retail stores, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. The amounts were ; {$710.00} - XXXX XXXX XXXX {$100.00} - XXXX XXXX XXXX XXXX  {$690.00} - XXXX XXXX XXXX  {$420.00} - XXXX XXXX XXXX XXXX {$670.00} - XXXX XXXX XXXX For the past year, I have consistently reached out to square every few weeks for hopes of them to resolve the issue. I have never received any resolution to the problem. I have spoken to over 20+ employees in regards to the funds missing. I have done everything they have ever asked of me ( including allowing them to freeze my account around 2 months ago for 10 days to, investigate my account ). Every employee just states, sorry this happened to you. Ill reach back out. I have never had anyone reach back out to myself. I have never received an email from them in regards to how this manner will be solved. In any professional opinion, they have not tried to solve this problem. 

Up to this point I have; -Cancelled the card immediately after the information was stolen and the funds were taken ( per their recommendation ) -Called every business ( XXXX XXXX XXXXXXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to figure out how these orders were able to go through. 
-Called each business ( XXXX XXXX  XXXX, Square and XXXXXXXX XXXX XXXX XXXXXXXX ) to ensure once my card was cancelled, that the orders would not go through. 
-Called every 2-3 weeks to receive updates on my disputes.

-Frozen my account so they could investigate. 
-Emailed the company multiple times for a resolution. 
-Posted on the Companies XXXX XXXX to see if I could get some sort of response from them. 

This has caused me such great distress and anxiety Ive had to receive medical help. This is a great amount of funds for a small business to be missing and for no one to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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:
I was a victim of identity theft which placed false information on my credit reports including unauthorized inquires on my Equifax credit report. I submitted the relevant information to Equifax online, e.g. an Identity Theft Report, a Police Report and did so via my verified MyEquifax account. Despite the clear requirements of Section 605B of the Fair Credit Reporting Act, Equifax has failed to block the inquiries as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Synchrony Bank / GE Care Credit # XXXX, was sold to attorney office against my knowledge in 2018. XXXX XXXX XXXX, PA ; ATTORNEYS AT LAW, held the account and filed court proceedings in the state of Indiana Small Claims Court. The care credit was removed from my credit once placed with attorney office and all of a sudden it reappears on credit report. I asked the lawyer, how did they get my account, when I had no knowledge of account being sold.

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 2020-01-27
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I have contacted Discover 4 times over the past 2 months regarding and issue with my credit report. 

I am showing late 30 days on my credit report on XX/XX/2019. 


I have sent numerous emails and letters to discover asking to remove this late reporting as it was at fault of discover. 

I got a call on from discover stating they received my complaint and the late reporting would be removed and now its been 3 weeks and I have received not email or letter promising this removal. 

Discover is now ignoring my emails as you can see in the attachment. All I am asking is discover remove this late reporting or I will be forced to sue discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To whom it is concerned : To say I am vexed with Bank of America is an understatement! I have been a credit card holder with Bank of America for a couple of years now, never once have I been 30 days late on any of my cards that I hold with them. I purchased something with one of my cards in XXXX of 2023 due to rising inflation Ive been making my minimum payments due on time every month, XX/XX/2023 I made a payment of XXXX I was in the process of applying for a mortgage loan recently only to review my credit cards and notice that Bank of America thought it would be okay to lower my available credit limit from XXXX dollars to XXXX dollars, after bringing it to there attention I was told that it was because of my credit score, and Delinquent account. As stated above I have never been late on any of my credit cards and I have had a XXXX or more credit score for more than a year. Bank of America has deliberately reduced my credit limit causing my credit score to drop some XXXX points then when asked to setback my previous credit limit Im being pushed into a credit audit to see if I qualify for the credit limit that I was already approved for to begin with. Now Im being told they would have to do a credit pull to see if I qualify for a credit increase! This is clearly predatory behavior on Bank of Americas part this has put tremendous stress on me and my family due to the fact that I may have missed an opportunity to acquire a property that was soon to under contract. Bank of America has also not acted in good faith towards its consumer I would like for them to be held accountable for their actions.

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 2020-10-09
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank has been harassing me about an old mortgage which was transferred to them about the same time I refinanced the VA loan with a new lender. See below warning I sent them recently. They should have their license revoked. This has be going on for 45 days and I have tried to get them to stop by phone and email and the robot calls continue enough is enough Mortgage Payments Flagstar Bank you are put on legal notice I will immediately sue Flagstar bank for harassment by mail and ROBO calls to my phone and mail concerning payments on a Mortgage loan which was refinanced by a new lender on XXXX XX/XX/2020 and your funds your looking for are with XXXX. ( I have called you 3 times about this loan. I have a new loan and it sure is not with Flagstar. Further I will send a letter to the VA to suspend your license for harassment to a VET, I'm done calling or writing you. You ding my credit and will take this further to court. 
SIGNED 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 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The company name Is. Bank of America, ( XXXX ) someone withdrew. {$1000.00} from the atm in XXXX XXXX than another {$1000.00} in ( XXXX ) than another on ( XXXX ) {$1000.00} the total amount $ XXXX have spoken too many times to the claim department for the evidence that they claim they have on file I have requested for them to send me the evidence 3 times the most recent is ( XXXX ) they say they send it but I have not got anything from them, I also submitted to them my passport and a police report and they keep denying my claim, they close it and still have not send me anything I have told them multiple times that it's not me and at this point they are denying me of my rights for the documentation that they say they have because it's not me and I keep telling them that but they said that they don't communicate with the back office nor they don't communicate with the detectives were I submitted my police report so how do they keep denying my claim it makes no sense it's been a month and still nothing I am a XXXX mother who got her money taken away and Bank of America is not doing their job properly I need additional help, all the calls get recorded and if you are able to listen to my conversations with them you will see that I had to communicate with two supervisors already from the claims department because they have not send me my evidence and some of the claim department people were so confused that they kept on not submitting the correct paperwork that I needed, I have never experience such unprofessional communication I wonder how many people Bank of America have done this to.

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