BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX my bank account got hacked. Money was XXXX  out of my checking account. Took about 5 hours to speak to a multiple reps. One representative even had a laughing tone when trying to verify my account due to my crying over the stress of the situation. They said they would Investigate and once I receive a letter in the mail saying that their investigation was done and they said I transferred the money due to it being done out of an XXXX and the bank app. No reimbursement would be done for me. 
When originally speaking to a fraud representative they stated that they could see the bank accounts that it was going to. 

I did inform them that my purse had been previously stolen before this incident with my phone and passwords and social and gave them police report incident. 

Please help. On the multiple times that we called the bank for help it took hours for them to answer and then more time due to my language barrier. And then the bank branches themselves also wouldnt give me immmediate help. Appointments only when it was the phone reps who told me to just show up. How can we report and deal with fraud when there is no immediate help!? 

Also more understanding staff. The stress that was put on me when one rep laughed at how my responses were when I was crying and stress because of the money that worked hard to save was taken.

Ive been a client for 30 plus years. Is this how were treated.

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 2019-09-05
Company: SYNCHRONY FINANCIAL
State: OH
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:
XX/XX/XXXX I had contacted Synchrony bank to advise them that my Paypal account was a fraudulent account. XX/XX/XXXX I had disputed the account, XX/XX/XXXX I sent in another dispute along to advised them I as incarcerated during the time of this account and transactions were being made. On XX/XX/XXXX they confirmed the account has been resolved in my favor. However, there were money being paid on this account every month for over 3 years. I have requested a payment refund request for at least over {$3000.00} I had sent them letters from the bank acknowledging that it was my account that the money from Paypal was being taken out of my bank account. I had sent them over 80 pages of bank statements showing that PayPal was taking money out of my account on a account that was fraudulently opened. On XX/XX/XXXX they stated give them 2 billing cycles. I called back on XX/XX/XXXX to check on the status if my refund they stated I need to resend bank statements. Did that on XX/XX/XXXX they confirmed they received it and to allow 30-45 days so I called on XX/XX/XXXX they stated they could not use the bank statements I sent in so on XX/XX/XXXX I called and they confirmed they received my documentation and allow 30-45 days. I've called every month and get transferred to several people I even spoke with the fraud department and they stated they were sending a email on XX/XX/XXXX to allow 3-5 days called back on XX/XX/XXXX they stated my account need closed from the fraud department and to call back in 3-5 days I called back on XXXX stated nothing has changed and to call back so on XX/XX/XXXX I called spoke to 2 different departments 1 lady stated she dont see no change and suggested i call recovery department spoke to that department the guy seen my 82 pages of bank statements and stated he's sending the information over to request a refund and to allow another 30-45 days to call back.Here we are today and still no payment refund. I've been dealing with this situation for 8 months for them to process my payment refund request. They have been giving me a run around, wasting my time and energy, This is very stressful considering they state that the payment refund department doesn't have a phone number to call they can only send emails. It didn't take them 8 months to take money from my account but its taking 8 months for them to return my money especially they have the bank statements to showing they were receiving payments.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: IN
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}

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 2019-07-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I deposited a check from a Freelance company that I thought was legitimate, the check was returned on XX/XX/XXXX. On XX/XX/XXXX, I woke up with card fraud. I typically work early and I rushed. I did not check that this happened until later in the day. Did not receive a confirmation on a XXXX transaction made with XXXX XXXX ( XXXX ) but I did receive a {$500.00} transaction notice but I received it the night prior on XX/XX/XXXX at night. I sometimes do not check my emails right away. 

I called immediately as soon as I was made aware of these charges. I realized that all of the occurrences happened simultaneously and I have proof that the fake check was not created by me but sent to me. I did not however authorize any of the other transactions. 

I have been trying to talk to Chase regarding this for the past 3 weeks. My initial temporary credit was deducted this Saturday because the claim I opened was denied. I have been going back and forth with Chase giving me vague information about providing more information or evidence without specifying anything. I then finally got them to tell me that providing an IP address as documentation can allow me to reopen it, but again they were extremely hard to work with and this was getting out of hand. I did start to raise my voice in this matter during my calls out of frustration because no one seemed to believe me or help me. I did NOT c create this fake check and I did NOT authorize any of these payments at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: HI
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}

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 2017-10-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail on XXXX/17 stating the State of Texas cause no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs Me subpoena for oral deposition as aid to enforcement of execution ... does n't not inform me of who or what this is trying to collect for, no amount stated, no return contact information ... all is says is show up on this date to some office building, not a courthouse an office. am I suppose to just show up and sure let me give you money, if I am summons for court or trying to be sued I need to know for what! I feel this is not a legitimate or legal action that I have been subjected to, is this from debt they purchased for another debt collector that could be beyond the statue of limitations or what is this from?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX 's be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now XXXX has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.

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 2020-04-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The month of XX/XX/2020 Wakefield & Associates was send a certified letter asking to send me information about this account and this company refused.I have send several letters and made several calls to this company requesting the following : -Please provide copy of sign contract XXXX in its original form ) that shows I agreed to pay your company for your services. 
-Copy of bill statements from you company for the months of XXXX, XXXX, XXXX and XXXX. 
-Provide copy of any judgement from courts stating I must pay Wakefield And Associates for their services. 
-All statements from original creditor. 
-Provide your company license number. 
-Please break down and explain how you calculated the balance for this account from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: HI
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

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 2019-07-22
Company: EQUIFAX, INC.
State: CT
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 had contacted EQUIFAX XXXX when I was applying for a mortgage to purchase a house. 
The bank noticed Equifax had someone's else 's name and address as well credit cards on my report as well as having me living at addresses I never lived at, different last names, and credit cards I did not have. I tried hundreds of times to contact EQUIFAX at the number they gave me to resolve these issues but could never get the same person twice, no one answered or I was placed on hold for over 30 minutes. I also contacted my congressman and tried to get this resolved. I did get some reports from EQUIFAX -- -AND THEY STATED THE ISSUE WAS CORRECTED- HOWEVER I NOW JUST FOUND OUT THEY NEVER FIXED THE INCORRECT INFORMATION AND WRONG CREDIT CARD NOT BELONGING TO ME.THE BANK NOTICED THIS. 

It is now XXXX and I am applying for a refinance -- and CONTRARY TO EQUIFAX STATEMENT IN XXXX THAT THE ISSUE WAS RESOLVED -- - IT WAS NEVER RESOLVED AND I STILL HAVE A CREDIT CARD WITH A BALANCE THAT IS NOT MINE. MY OTHER CREDIT REPORTING COMPANIES ARE CORRECT WITH THE INFORMATION AND I HAVE CREDIT REPORTS OF OVER 800 WITH THE OTHER 2 COMPANIES. EQUIFAX IS STILL IN ERROR AND I WANT TO BE PART OF THE LAWSUIT AS THEY HAVE RUINED MY REPORT AND RATING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him  ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the 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 2022-05-04
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:
I previously disputed my collection with XXXX for XXXX XXXX with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: HI
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: TekCollect 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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was having hardship for along time this vehicle was a car that was purchased for my husband by me and my dad. My husband was making the payments on time until he had to go. The payment was {$700.00} dollars something I could not afford plus all the other bills that I had along with my own car payment and insurance. My husband was incarcerated in XXXX. I tried my hardest to keep up with the loan and other bills. By XXXX I was drowning in debt. The car was repossessed and I believe the account has been closed and charged off. I've been trying to get this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX CXXXX 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 2019-07-22
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made may attempts to get this XXXX XXXX XXXX XXXX  Account removed from my credit file. I have provided Equifax with FTC Theft report and Equifax have failed to remove this account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi, On XX/XX/19, I tried to add my XXXX XXXX card to my Venmo account and it was declined. I reached out to their support and was told they couldn't give me a reason or timeline for the issue. I then had no problem adding a credit card from XXXX immediately after. I believe Venmo advertises their acceptance of XXXX XXXX to get customers to sign up and provide sensitive information, but then refuses to allow them to actually use the card because XXXX XXXX typically has higher merchant fees. Additionally, a manager was supposed to reach out to me, but one never did. 

Thank you

Company response to consumer: Closed with explanation