BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today Synchrony ( Lowes ) notified me of a {$2.00} statement fee for mailing written statements. 

These types of fee are unconscionable and should not be permitted.

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 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the information with XXXX from the florida department of revenue. They are still reporting this error. In fact the letter states there they will direct the payments to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: AZ
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, I received an email notification from Wells Fargo that my debit card had been " turned off '' as requested. I did not make this request, and it prompted me to view my accounts through online banking through Wells Fargo. Upon logging in, there were unauthorized transactions that included a total of {$10000.00} transferred from one checking account to another, and then pending charges from my debit card to " XXXX '' ( {$3000.00} and {$2000.00} ), which cleared on XX/XX/XXXX. 

I immediately called Wells Fargo and filed a claim and froze my accounts. Since I did not request to have my debit card turned off and the email did not include a reference number, the representative said that I had to go into the local branch to change my account numbers. I did this on XX/XX/XXXX, which was as soon as possible with my work schedule. 

I was contacted by an investigator from Wells Fargo who asked me general questions about my banking routines ( e.g. how often do I log in ). However, they did not ask in-depth questions related to the account transfers or about " XXXX ''. I have never had business with XXXX, and this is evident in my account history. It's my understanding ( after a simple XXXX search ) that this company is a money transferring service to other countries. 

I was informed XX/XX/XXXX that my claim had been denied. They provided no further information and stated that I had to request the investigative documents to be sent which would take 30 days. They said there is no appeal process and it had been deemed that I authorized the transactions. I asked how they came to this conclusion because it is blatantly false. No further information was provided. I escalated the call to a manger. The only option was to have an investigator call me back. 

Since then, I have filed a complaint with the local Wells Fargo branch and the AZ Attorney General XXXXs Office, and consulted with an attorney. I was asked if I had filed a police report by the initial investigator and I informed him that I would be happy to, but did not know if I needed to since the dispute was in their hands. He had no response. I have since filed a police report with the XXXX Police Department. 

I have been banking with Wells Fargo for well over 20 years, and I have been fortunate to not experience this before. However, they have questioned my credibility and made me feel like a criminal rather than the victim. It is clear that someone had unauthorized access to all of my accounts, as well as my debit card number, which was in my possession. This is terrifying and they are not offering any assistance. I would imagine this happens to millions of people, and I hope they are treated the same way as an honest citizen.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 want incorrect information to be removed 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 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX I have a Business Bank Account with XXXX XXXX in XXXX Pa I Wrote a check from that account and deposited it To a Wells Fargo Fargo Bank on XX/XX/2023 the check was in the amount of XXXX I was told that it would be cleared in three to five days I went to the bank yesterday and they told me I would not have those funds until XX/XX/2023 That is over ten days there is no reason for them to keep my money! Wells Fargo received my money from the XXXX XXXX  onXX/XX/2023 I have been a customer of Wells Fargo for over 20yrs I have deposited large amounts in the past and had no problem. I also wrote large checks to other vendors that will bounce due to the incompetence of Wells Fargo institutuion.I hope someone can provide me with some help thanks

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 2023-04-11
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase for goods and services on XX/XX/XXXX in the amount of {$1700.00} from a company called XXXX XXXX ( XXXX Soles ) with my American Express Platinum card ending in XXXX. I did not receive the goods and or services from the company as promised and filed a dispute with American Express on XX/XX/XXXX. On the next day, my dispute was closed and the reason given was because I did not dispute the charge within 60 days after the purchase. I immediately contacted American Express and they reopened the case and I submitted multiple documents. The very next day on XX/XX/XXXX, the dispute was closed for the exact same reason. I again, reopened the dispute, this time online and then called in on XX/XX/XXXX because American Express needed more information. I provided the needed information and later on in the day, I received a message that the dispute was closed for the same 60 day reason again. I tried speaking to American Express 's online chat and did not get anywhere. They refuse to investigate the dispute. 

I have disputed a charge that was XXXX  months past the date of the inititial charge and American Express investigated it and credited my account after they completed the invesigation. For unknown reasons, they will not with this merchant and can not explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Identified Issues : 1. Bank of America Revolving card ( loan ) has been issued by someone under my personal information in XX/XX/XXXX with the debt of approx {$9000.00}. 
2. someone has been paying back on the bank of Americal Revolving loan since XXXX and still active with $ XXXX bebt. 
3. someone stopped the payment since XX/XX/XXXX which negatively impacted on my Credit score.

Actions taken so far 1. I visited Bank of America branch > Financial Advisor in person and identified that I've never issued the bank account under Bank of America and they confirmed that they can not find any history of Revolving loan 2. Frozen my bank account or credit card issuance by calling all three credit 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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi, My company gave me a {$300.00} Amex gift cards as a bonus and I'm unable to use it anywhere ( including XXXX and XXXX ). It just says : " Transaction declined. '' This seems to be a common occurrence with Amex. I'm happy to give you my gift card number. 

I called the number customer service number on the card which was of no help. The auto response said to try another vendor and then it hung up on me which I tried to reach an operator. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Identified Issues : 1. Bank of America Revolving card ( loan ) has been issued by someone under my personal information in XX/XX/XXXX with the debt of approx {$9000.00}. 
2. someone has been paying back on the bank of Americal Revolving loan since XXXX and still active with $ XXXX bebt. 
3. someone stopped the payment since XX/XX/XXXX which negatively impacted on my Credit score. 

Actions taken so far 1. I visited Bank of America branch > Financial Advisor in person and identified that I've never issued the bank account under Bank of America and they confirmed that they can not find any history of Revolving loan 2. Frozen my bank account or credit card issuance by calling all three credit 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Unauthorized inquiries that were not made by 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Shellpoint Mortgage Company- we had issues keeping up with the payments early in the year. Contacted the mortgage company for assistance. They advised us to complete a form online and submit documents on their portal. We completed the necessary forms, then were told we should have sent the information to an email address. They assign you a point of contact and that person is never available via phone, if you send an email they say they never received it. When you call the 1-800 number you receive different answers from everyone. Going through a stressful situation, you want reassurance your mortgage company is working with you to resolve. They send a dozen threatening letters in the mail during the entire process. We received several documents for our partial claim that had different information that required notarized signatures. We completed all of them and called to confirm that our first payment due was XX/XX/XXXX, we were told yes this is accurate. Now they are saying it was due XX/XX/XXXX and we have defaulted on our mortgage. Absolute worst company ever, not sure how they are able to keep running this business. Horrible customer service!!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX  XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-11
Company: EQUIFAX, INC.
State: FL
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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: In progress
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX XXXX Balance : {$2800.00}.

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 2023-12-12
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was charged {$12.00} for not having {$1000.00} for less than 1 day while transferring funds from another bank. I paced a complaint about the bank with XXXX and the bank Truist falsely informed XXXX case closed the case without even working on the issue. 


Transaction Details - {$12.00} MAINTENANCE FEE Transaction Date XX/XX/23 Posted Date XX/XX/23 Transaction Type Debit Reference Number XXXX Receipt Attached No

Company response to consumer: In progress
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: LA
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:
ALL PARTIES ARE REPORTING A BANKRUPTCY WITH DIFFERENT COURT NAMES AND DIFFERENT CASE NUMBERS. BANKRUPTCY IS INCOMPLETE AND SLOPPY DOES NOT SHOW CORRECT AMOUNTS OR NAME OF ATTORNEY. INFORMATION IS BLANK FILLED THAT SHOULD BE COMPLETE. I CONTACTED THE COURTHOUSE TO HAVE THE INFORMATION CORRECTED BUT WAS TOLD THEY ARE NOT RESPONSIBLE FOR THE INCORRECT, UNVERIFIED, ILLEGAL REPORTING FROM ALL PARTIES INVOLVED.

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 2023-03-31
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX ( Original creditor : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX  Original creditor : ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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