BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. A series of unauthorized transfers totalling XXXX were realized without my knowledge from my checking account at Wells Fargo, most of them between the XXXX XXXX and XXXX XX/XX/2022. The complaint numbers are Claim # XXXX and Claim # XXXX. 
2. I reported these transactions to WF around XX/XX/XXXX by phone. 
3. WF claims that the transactions were done " by you or someone who had your authoritiy '' which is completely false and baseless. See Attachment 1. 
4. I replied to WF with a clear identification of all fraudulent transactions ( with print out ). I also went to the police to file a complaint. See Attachment 2 for the letter, which very clearly explained what happened, Attachment 3 for the USPS receipt that WF got the letter. Attachment 4 for the police complaint and Att. 5 for the list of transactions. 
5. WF did not answer this letter.

6. I called WF on XXXX XXXX, and without any additional explanation, WF refused to reimburse the amounts, despite the provisions of the Fair Credit Billing Act and the Electronic Fund Transfer Act, which WF clearly violates. 
7. I am a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the amount stolen represent the entire savings of my first year of work. I live with my parents in XXXXXXXX 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 2022-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit 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 2019-03-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America has been reporting negative information on my credit report for the past couple of years. This account has been closed on my account for years without any verification of the debt being owed. As well as it being on my account for the staute of limitations that an an account can be in an credit report in XXXX XXXX.I have a pulled credit report from XXXX showing that the current dates on my XXXX credit report are totally different.

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 2021-09-24
Company: ALLY FINANCIAL INC.
State: PA
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 have XXXX ally financial accounts XXXX of which are supposed to be paid in full they fixed XXXX and put paid in settlements the other XXXX still says we owe {$250.00} which was paid almost a year ago when we traded the car in for another vehicle the other one is {$2000.00} and something and that has been through XXXX different collection agencies which was also paid in a settlement and still being reported on my credit report I have sent in multiple paperwork proving that they've been paid in full I have called ally financial multiple times multiple departments and I can not get anywhere on this

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 2017-06-21
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:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, XXXX, AND TransUnion are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, XXXX, AND TransUnion or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

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 2017-06-21
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: Account information incorrect

Complaint:
On XX/XX/XXXX I paid off my XXXX XXXX credit card leaving a XXXX balance. As I closely monitor my credit file ( for good reasons ) I checked my credit report from Experian 7 days later and notice they are still reporting a balance on my credit card. I noticed XXXX XXXX and they stated they reported a XXXX balance to the all there credit reporting agency they used no later than 3 days after the account was XXXX balanced. We are not 21 days out and Experian is still reporting a balance ( incorrectly ) on my account. Furthermore, they are also showing an outstanding debt /or collection account from XXXX XXXX from XXXX. This is 8 years ago.

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 2022-09-07
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/XXXX I purchased an above-ground swimming pool liner from the vendor XXXX for {$790.00} using my Citi issued credit card. 
I received the liner and installed it following the manufacturers instructions. Shortly after the installation the liner was damaged and while investigating the damage, we discovered that the product sent to us was not what was advertised. 

Swimming pool liners are typically sold by thickness, a thicker liner is more durable and more expensive. I purchased a liner that was advertised by XXXX as XXXX thickness because it would have been more durable than the thinner XXXX XXXX  or thinner liners. While investigating the damage, we learned that the manufacturer of this product does not advertise or market their liners as XXXX and that the liner sold to us as XXXX was not XXXX. This meant that the liner was weaker than what i had intended to purchase. 

On XX/XX/XXXX i reached out to the vendor XXXX requesting a replacement of the liner with one that had the thickness i ordered. They assigned me ticket number XXXX and routed me directly to the manufacturer. 

On XX/XX/XXXX, the manufacturer confirmed they would not be able to issue warranty replacement because the product was not defective, but confirmed in writing that they do not sell or market their liners as XXXX. 

On XX/XX/XXXX, i filed my dispute with Citi, requesting chargeback because the item was not as advertised and there was no resolution from the vendor or manufacturer On XX/XX/XXXX, Citi closed my dispute based on reply from the vendor, which incorrectly stated that i had never contacted them about the issue. As mentioned above i had a ticket number from the vendor for this issue. 

On XX/XX/XXXX, I asked Citi to appeal my dispute by providing the requested information that Citi had noted in their communication on XX/XX/XXXX. 

On XX/XX/XXXX, Citi closed my dispute with the comment that i had not provided the requested information, even though i had. The communication said that there would be no further assistance from Citi on this matter. 

I don't think vendors should get away with providing Citi with false information about disputes and then have Citi immediately side with them without any due diligence, nor should vendors be able to sell products with false specifications that the vendor is fully aware of. Thanks for any help.

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 2017-06-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received a promotional offer from Fifth Third Bank in regards to my HELOC. I was to receive 1.99 % if I used {$5000.00} or more to their line of credit. I had a balance I was paying 4 % on and decided to move {$8900.00} to 5/3. The online banking portal showed rate change PROMO APR 1.99 % ( 15 times on my screen ) so I thought good deal, that was easy. I got my statement and it showed my rate at 5.24 % so I called 5/3. After some run around, they told me I was n't eligible for the rate even though my screen showed I got it. I would n't have moved the money or would have moved it back sooner if the bank alerted me that I did n't qualify. After complaining to supervisors, they changed the rate to 1.99 % but will not make it retroactive to the date of the transaction. Meanwhile, I paid off the LOC because I had the money but wanted to use someone else 's money short term. The difference is about {$65.00} in interest, and that might not be a lot, however, if they are doing this to me, I 'm sure the bank is ripping off a lot more people. This practice is abusive and uses misdirection to make sure consumers are n't paying attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier 's check for {$130000.00} ( court-ordered proceeds from my late mother 's FL probate case ) at a Bank of America branch in XXXX XXXX XXXX NM on XX/XX/2022. Teller told me the funds would be available on XX/XX/2022. I then reviewed my online account that evening at it confirmed the funds would be available on XX/XX/2022. I then initiated an ACH transfer of those funds on the XXXX XXXXXXXX XXXX website ( external transfers ) where I had an existing savings account earning 2.20 % APR interest.- in reliance on Bank of America 's confirmation that the funds would be available on XX/XX/2022. I am a Bank of America XXXX XXXX client and have been a customer for 30+ years. In the middle of the night at roughly XXXX XXXX Bank of America emailed me that it had put an 8-day hold on the check without explanation. 

On XX/XX/2022 I called the Bank of America phone number for XXXX XXXX  clients. " XXXX XXXX told me that I needed to go to the branch and that they would be able to arrange for the hold to be lifted. I drove to the branch where I deposited the cashier 's check. Manager XXXX XXXX and Business Owner Specialist XXXX XXXX told me that XXXX was wrong and that there was nothing they could do about the 8-day hold because it was " system-driven. '' XXXX, they both said, didn't know what she was talking about. XXXX said he called Market Leader XXXX XXXX at XXXX and she confirmed that Bank of America could under no circumstances lift the hold due to unspecified regulations. 

I then asked to close my Bank of America checking account and XXXX and XXXX refused saying they could not close the account until the {$130000.00} check cleared - 8 days later. I asked that the funds be deposited into another existing Bank of America account instead- and that request was summarily denied too. XXXX and XXXX agreed that I should never have been told by the teller and my online account should never have said that the funds would be available the next business day - but acknowledged that is exactly what happened.. I told them I never would have deposited the funds at Bank of America had I been informed up front there would be an 8-day hold. I would have selected another financial institution with whom I have a longstanding relationship include XXXX XXXX and XXXX. I relied on Bank of America 's representations to my detriment I fortunately managed to cancel the ACH transfer and will reschedule for 8 days later. In the meantime, the funds are in the cloud with no interest being generated. Deplorable service by a monster mega bank.

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 2017-06-21
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX XXXX ET, I entered a money transfer transaction from the US to XXXX : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Total Billed Amount : XXXX USD Exchange Rate : XXXX USD = XXXX CUC Transfer Amount : XXXX CUC Total to Receiver : XXXX CUC Transaction Number : XXXX XXXX XXXX In XXXX, the funds were unable to be retrieved because, unknowingly , Western Union does not allow US Citizens to be defined as the recipient of funds in XXXX. On XX/XX/XXXX at XXXX XXXX ET, I spoke with Western Union Customer Service for 15 minutes and 37 seconds to request that the Transaction be cancelled so that I could be refunded. I was told the transaction was being cancelled. On XX/XX/XXXX at XXXX XXXX ET, since the transaction was NOT cancelled, I submitted an online Refund and Cancellation request with Western Union ; Case Number XXXX On XX/XX/XXXX at XXXX XXXX ET, I called Customer Support again. I was on the phone with them for 42 minutes and 13 seconds, and was told that the system has an error, and that is why they are not able to process the cancellation of the transaction. On XX/XX/XXXX, I used the Customer Support Chat feature to contact Western Union around XXXX XXXX ET, and was told there have been no changes, and that they are still unable to cancel the transaction. To summarize, Western Union has held {$540.00} from my account since XX/XX/XXXX, and has not given me any updates or time frame as to when the  system error can be resolved in order to cancel the transaction and grant a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: TX
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 disputed a fraudulent account XXXX XXXX and I send in documents for this account and XXXX refused to block it due to I had obtain goods which is false I never use this credit card or apply for this account and I was in prison and locked up and I can show you proof that these payments were unauthorized to my bank account I request the bank to dispute it and they have determined these payments were fraudulent/unauthorized and return the money back to me and yet the dispute with XXXX XXXX was denied by the credit bureaus and they never blocked the account before this is fraud and it a violation of fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I, XXXX XXXX XXXX CITIZEN ( XXXX ) WITH CREDIT CARD BANK OF AMERICA SINCE XX/XX/XXXX ( EXCELLENT PAYMENTS ) GOOD! CARD CLIENT STARTING CREDIT LINE ON XX/XX/XXXX {$300.00} IT CREDIT LINE HAS BEEN KEPT DURING 9 YEARS WITHOUT ( INCREASE ) THE CREDIT LINE. I TRAVEL TO VISIT MY MOTHER OF XXXX YEARS OLD SICK! AND BE IN FAMILY SINCE XX/XX/XXXX. I TRANSFER FROM MY XXXX XXXX CHECKING ACCOUNT {$80.00} TO MY CREDIT CARD BANK OF AMERICA FOR A TOTAL OF {$380.00} COST OF TICKET {$330.00} BUT IT WAS DECLINED. BECAUSE..BANK OF AMERICA SOLELY SEE THE CREDIT LINE BANK OF AMERICA DO NOT SEE THE EXTRA DEPOSIT. ( BECAUSE ) IT IS THE LAW OR POLIZA.OF THE BANK..ACCORDING TO XXXX XXXX. SPECIALIST. CONTACTED BY XXXX BANK OF AMERICA. I WENT TO MY XXXX ACCOUNT AND MAKE ANOTHER TRANSFER {$70.00} NOR WAS ACCEPTED DESPITE THAT THE TICKET WITH XXXX XXXX COST OF {$340.00} XXXX XXXX XXXX SAY SORRY IT WAS NO PAID BY YOU BANK INSTITUTION. ( SEE ) Record Locator : XXXX We were unable to process your flight reservation request. To ensure that your travel plans arent interrupted, contact XXXX at XXXX to make alternate payment arrangements. If we havent heard from you within 7 days of this notice, your flight reservations will be automatically canceled. Please refer to the above record locator when speaking to a representative. THEN I AUTHORIZE TO MY DAUGHTER TO TAKE {$200.00} DOLLARS AND WITH OTHER CASH PAY THE TICKET IN CASH.

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 2017-06-21
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 am filing this complaint because Equifax | XXXX XXXX | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

Company response to consumer: Closed with non-monetary relief