BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received several calls on my caller ID cell phone from Bank of America I was on the phone with the vet and could not answer when I called back after sitting on hold for 20 minutes they called back in so I answered I was asked if I was trying to send {$3400.00} to a XXXX XXXX in North Carolina XXXX XXXX. I said no. I also got a text about the same thing and again replied no. The gentleman adapt time proceeded to tell me my information from the bank as in he knew my address exactly how much money was in the account my phone number to verify it was me and they called on the Bank of America line. He assisted me through adding my phone number back onto my XXXX account as it was taken off. At that point he said the money should be back into my account within 24 hours because it was caught early or 10 days that he was from the fraud department. The next morning the money was not in the account therefore I called Bank of America finding out that this was actually a scam I explained that he use their phone number and walked me through step-by-step how to add my number back onto XXXX. As soon as I had hung up the phone with him I received yet another text message stating that I had sent {$3400.00} to XXXX XXXX. Which I did not do I called Bank of America to the freight fraud department they said they were working on it that was Wednesday Monday call Bank of America yet again XXXX spoke with XXXX XXXX location he called spoke with a XXXX claims so that they had 10 days if they could even get it back.on Thursday XXXX XXXX PM spoke with a XXXX out of Texas she finally gave me a claim number which I had not had up until this point. She told me it was being expedited I told her I had not still received any correlation through XXXX or Bank of America in regards to this matter. She told me to contact the IC3 and put in a claim. I did so. On Monday XXXX call Bank of America still no update at that point they told me it would be 10 to 45 days I explained that I have bills to take care of I also take care of a handicapped sister. And if shes not taken care of I could be in trouble with the law and she said she was sorry called yet again Wednesday XXXX explaining how I had already contacted you guys or were in the process of Im sorry along with the FDIC and the media and that I still got no response from anybody I had to borrow money from a XXXX XXXX so that I could buy groceries I have now been told that I have to for 24 to 48 hours to them decide if theyll even give me emergency funds and this was after I spoke with a manager XXXX the girl XXXX had sent me to yet again out of Texas. She did say that I still may not get the money back. Please help. This is all through Bank of America in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both Equifax and XXXX. 

I have tried contacting both credit bureaus about this, as well as XXXX XXXX XXXX, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XX/X/2017. 

This has been paid in full and should be noted as such on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: P.M.B. Inc. dba Twin Tier Mortgage
State: WI
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:
In reviewing my credit report, I found XXXX credit inquiries from companies I 'd never heard of in states that I do n't live. I 'd like these removed, and I 'm wondering why the companies were given my information in the first place. I 've called all of the companies and been told variously to either write a letter or that they could n't help me. Why did XXXX happen within XXXX days of each other this XXXX? I do n't own a house ; why are XXXX mortgage companies looking at my information? What is XXXX? Is that the same marketing group hired by both mortgage companies? If they 're only licensed in MA and NY, why would my information even be useful to them? 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX inquired after my credit. 

After googling, their name is XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX inquired after my credit. 

And on XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX inquired after my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: BANK OF THE WEST
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since acquiring a Bank of the West Cash Back Credit Card, I've tried to use Bank of the West 's Mobile App and their Online Site directly to pay off my credit card balance ( newly acquired ). However, each attempt gets " timed out '' and its clearly not an issue related to my internet. Thank you for your help in resolving this issue.

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 2018-12-03
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: Account information incorrect

Complaint:
Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to XXXX and TransUnion for this account be removed based on the creditors lack of verification. XXXX has removed it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have got a consumer credit at XXXX XXXX on XX/XX/XXXX for purchasing a dishwasher and received my credit card from Citi affiliated with XXXX XXXX. The deal includes 0 % interest rate if the credit is paid within 6 months ( expires on the end of XX/XX/XXXX ). 
Almost every month when I attempt to make the credit payment I can not access my account- my credentials stop working and account is getting blocked. I'm using a password XXXX software, so there's no way I could make mistake when entering my credentials. Every time I spend an hour with XXXX XXXX customer service in order to get my account access back which they fail to do and they end up deleting my account and creating it from the scratch. Every time I reported to customer service that this is repeating issue and they failed to fix it. Today XX/XX/XXXX and I'm attempting to make my last payment and again I can not access my account and have to spend an hour again in order to get access back and make the payment. Considering the repeating nature of the issue and failure to fix it, it definitely looks that Home Depot credit department is doing this on purpose in order to trick customers into late payments and paying interest. This negligence from XXXX XXXX side looks to me like a fraudulent activity, which I would like to report. 
Thank you!

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 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone I don't know open a bank of America credit card on my name without my authorization, the bank close the card for over 6 month and i didn't have any problem until now. now they asking me to pay the money inside the account even though the account is close, they don't want to help until a government identity interfere. they send me all type of letter including that I own XXXX dollar and the next week then send a letter saying I have pay everything. when I call they always tell me I have to pay everything. i upload it the document that said i only own XXXX and the document that decline to help me. 

also i was told by XXXX of the agent, that after the account was close, the bank make a new account on my name without my authorization put the money from the old account until the new they made. which is totally illegal

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 2022-06-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CEASE AND DESIST XXXX 's closed my open ended consumer line of credit on XX/XX/2022. This is considered aggravated adverse action and identity theft according to 15 USC 1691 ( d ) ( 6 ) and 18 USC 1028a. XXXX 's did not have my authorization to close my credit card, that was extension of my social security number 15 USC 1602L. I will be filing complaints to the FTC and reporting this fraud. 
I verify myself through the cfpb and let them know further communication will be sent through the cfpb and your reason or purpose of complaint is because youre being denied your consumer file pursuant to 15 usc 1681g.

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 2017-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open the Citi XXXX checking account for the last 10 days. 
XXXX XXXX XXXX. Completed online application, went thru verification process, setup the initial deposit money and everything done successfully. 

Citi has a usual habit or pattern of making simple things complex. Moreover Citi has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. Just because they are issuing me the check book and in the name of customer security - they asked me to send the signature card. Which i send it successfully using the online fax last week. But once they are asking me to do the same. This is ridiculously waste of time, resources and money. 

When i called upon the phone # in the email : XXXX. It has the XXXX based system which expects that customer has their account number ready. As my account is not open till now - how i can provide my account number? They have alternative way of verifying the customer like last XXXX of XXXX but that option is also not working. 

For my spouse XXXX XXXX - similar kind of stuff happened and finally she gave up.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REORT AND SEEN THIS INQUIRY ON THERE THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE THAT I AM A VICTIM OF IDENTITY THEFT AND THEY ARE SUPPOSE TO CALL ME EVERY TIME SOMEONE APPLY FOR CREDIT TO MAKE SURE THAT IS ME AND THAT DID NOT HAPPEN

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 2017-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint XXXX some time around late XXXX or early XXXX against Wells Fargo Home Mortgage. This is in regards to my home that is in foreclosure. I have in good faith attempted to contact Wells Fargo bank in order to save my home. Wells Fargo has been deceptive in regards to my previous complaint as well as the whole modification process. So during the time that they are supposed to be working on a solution for me and my family to save my home Wells Fargo had a foreclosure sale date of XXXX XXXX, XXXX. I was never informed and never received anything in writing. In late XXXX I followed up with the lender as I had not heard from them and I was extremely concerned because I want to save my home. I was horrified to learn Wells Fargo had a sale date. I requested any and all information pertaining to my property. Wells Fargo faxed a copy of the trustee sale in a foreign language. It 's my opinion that Wells Fargo has never had any intention on helping us save our home. They have have not offered any solutions that many banks offer homeowners to save their homes.

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 2017-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: MO
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 downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So I decided to pull my report and I noticed accounts that are not mine. 
XXXX {$300.00} XXXX {$270.00} XXXX {$29000.00} XXXX {$23000.00}

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 2019-11-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding Synchrony Bank. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?

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 2022-01-13
Company: EQUIFAX, INC.
State: PA
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:
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 Equifax was XX/XX/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 inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GE Capital Retail Bank approved a fraud online application for one of their Dentist office and it was approved online. 
GE/CRB set me up with an account ending in XXXX. 
They charged my bank account for porcelain teeth for two people. 
After contacting them, GE sent me a letter stating I had been frauded. 
Since then I have continued to get the run around by phone to get my money back. 
The GE fraud & customer service keeps sending me back to each other. 
They are asking me questions I do n't know.

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