BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: NC
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:
I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XX/XX/XXXX XXXX XXXX {$310.00} ... XX/XX/XXXX XXXX {$490.00} ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX  {$360.00} ... XX/XX/XXXX XXXX XXXX {$590.00} ... XX/XX/XXXX XXXX XXXX {$1000.00} ... XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX  XX/XX/2020 I called my bank asking them to make arrangements to cash a check for {$20000.00}. They told me they could only do a check for {$5000.00} at their branch, and I could get additional funds at a different branch. I talked with that branch and made arrangements to get {$5000.00} through their drive through. I then went to my local branch, and they refused to cash my check for {$5000.00}. They said they did not have that much cash in bills {$50.00}. or under ( which is specifically what I requested ). I have more than {$32000.00} in the account and the account has had that amount for a very long time. That is not a recent deposit. The branch manager at my local branch had gotten on the phone and tried to talk me out of taking my money out. This complaint is that my local branch 1 ) told me I could take out {$5000.00} from their branch and additional funds from the main branch, and then 2 ) refused to cash my check when I drove into town to cash the check. I feel I have been discriminated against because of my age ( I am a senior citizen ) and because the branch manager did not want me to take my money out. If they really don't have {$5000.00} in cash, they should not be a bank and I feel I should alert the world via XXXX   and XXXX  that they have run out of money.

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 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Good morning, On  XXXX   XXXX   2016 I o rdered  XXXX  pills off of a page on  XXXX . It said I only haf to pay for shipping and handling.   I got a text from my Bank to authorize the transaction. It was  XXXX  amount s :  XX/XX/XXXX   -  XXXX  - {$4.00} ( Declined ) ;  XX/XX/XXXX  -  XXXX  - {$1.00} ( Approved ) ;  XXXX  -  XXXX  - {$4.00} ( Approve d )  The total was {$11.00}.   I accepted that.     A few days later I got the wrong product. It also contained gelatin, which I 'm  XXXX  to.   I sent them an email telling them I received the wrong product, I was told to call customer service.   Being that it was a   XXXX   XXXX  , my mom said to forget about it. She would take the pills.   I thought that would be the end of it.   A few days later I was checking my bank statement and saw to transactions that I had not made.  XXXX  of them for {$79.00} and another  XXXX  for {$69.00}. I was waiting for them to be posted so I could contact the bank ( they were still pending ).   When I called the ban k ( B ank of America ) I was told to call them, the scammers, and ask for a returner address and return the product being that it was never opened and to close my account. When I called the scammers on  XXXX   XXXX  they said there was nothing they could to about it, they do n't accept returns and I was outside of the two week trial. I did n't even know there was a two week trial. That said that when I signed up for it I was accepting to be billed every month. I would have never signed up for it if I had known, I would have paid a few extra dollars and ordered it off of  XXXX .   I was offered a 50 % refund, I kept on fighting over the phone, then a 75 % refund and that was all that could be done. I kept on telling him how it was all wrong, etc. They are scamming people, ripping them off and that 's just not right. I asked them to close any account I did not open with them so that I would never be charged again.   I called my bank back and the person who attended me said that I should just take it, being that there was fine print that they probably would n't be able to do anything about it and I would n't get anything back.   Now I 'm waiting to get my {$110.00} refund.   I still want the other {$37.00} + shipping. I never even received the proper product.   I work very hard for my money, it 's not right for people to just take it away like that.     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 2022-04-08
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-08-31
Company: Harvard Collections, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to call the company about the utility bill in question and it is a company in New York from XXXX  which I have been XXXX XXXX military since since XX/XX/2018 and was in college in Tennessee before that so it would have been impossible for me to live in New York at the same time. I have never received a bill or anything from this company the emails and phone number listed on the account were not any that belonged to me when speaking to the representative from the originating company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I attempted to withdraw funds from my investment account with MoneyLion. The app showed me a balance in excess of {$320.00} however it would not let me take a draw. 

I contacted MoneyLion via their contact form and was instructed to call to discuss my account. The balance available was confirmed with the agent over the phone who casually indicated that she didn't know why I couldn't take a draw and would escalate my concern. I was advised I would hear back in 2-3 business days. 

Upon their written request, I submitted screenshots of the app showing the error message provided. Meanwhile, the balance in my account has steadily declined as a result of market conditions. 

It is now XX/XX/XXXX and I do not have any further response from MoneyLion despite my repeated attempts to follow-up and my balance continues to decline through no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My sister passed away. I was appointed Personal Representative by the XXXX XXXX XXXX XXXX in XXXX XXXX, Indiana. Those documents were obtained through and by my estate attorney and were sent electronically from the court to him for my use in executing her estate. Along with these documents and an original certified Death Certificate Wells Fargo is refusing to open an estate account for me. I was told I need to physically go to the court in XXXX XXXX Indiana and obtain a certified original copy. First, I live in XXXX, Washington so that is not an option and more importantly, the courts in Indiana only send out documents of this nature electronically and there is no avenue to obtain certified original documents. This information has been verified by my attorney. I also requested to escalate this situation to the Branch Manager and was not given their name or contact information despite my repeated request. I have been a customer of Wells Fargo for 29 years and I have no one to escalate this issue with.

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 2021-10-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has violated my consumer rights. They refuse to remove an XXXX  XXXX account from my consumer report even when I have made it clear again, that the date of last activity is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in the hospital for covid XXXX to XX/XX/21 I have XXXX XXXX insurance and have paid my XXXX deductible to all parties that billed, doctors, hospital, etc. All has gone through XXXX. 
Today I received XXXX collection accounts from XXXX XXXX of Texas XXXX that appear to be trying to double bill me for services rendered by the hospital Doctors. None of the so called XXXX doctors on their list, tended to me, Nor Have I EVER received a bill from them, or has it gone through my insurance. 
I have contacted this collection agency called Online Information Services at : XXXX They are supposedly reaching out to the XXXX XXXX to get a bill to verfy the debt and send that to me. 
They are not only trying double charge for services, Ive already paid through my insurance, they are OVER CHARGING AS WELL! No one at XXXX XXXX 's knows who this XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Island Finance Puerto Rico
State: FL
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 still open when paid off in full by XX/XX/2018. Is affecting my credit score and shows if was past due a balance of {$2600.00} and missing payment affecting me to get loans.

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 2022-04-08
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase said I forfeited my points due to a closed account XXXX XXXX XXXX I closed the account due to the higher {$550.00} fee than I originally agreed to. They will not give me the XXXX points from my account. I was never alerted to the forfeiture of the XXXX points. I also have an active chase mortgage account but they will not count that as an open account. 

I offered to reopen the account or open a new account but they will not do anything to rectify this issue. 

I called to close the account on or about XXXX. I was notified it was actually closed XXXX. I contacted chase about the missing points on or about the XXXX of XXXX. 

Ive contacted them twice via phone once via social media and went to a branch to try and get some help. They all were not able to help me or provide the cancellation call where they informed me I was going to lose the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I have sent a request to XXXX XXXX asking that the account be closed immediately. I also request that XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the XXXX XXXX XXXX  bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2016 I received a call from XXXX XXXX XXXX. I spoke to XXXX XXXX. He reported he had an investor whom wanted to purchase my timeshare. I received a welcome letter. He requested a high resolution drivers license picture ID and to sign the letter of intent. He then returned a call and stated the sale would go to the senior escrow manager XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX in XXXX Colorado were very convincing. XXXX XXXX stated I would need to pay closing fees. This fee would be {$5100.00}. He then explained the buyer would reimbursed the fee. He was very convincing. The wire transfer via an intermediary bank.. This bank was XXXX XXXX XXXX. Next the escrow representative stated XXXX would need to pay XXXX % tax as I allowed family and friends to use this timeshare. even when stating I never received any compensation, XXXX XXXX indicated I would need to be registered as a international investor. This would allow me to sell the property. This time the cost to register as a foreign investor would be {$6800.00}. Once this was paid the scam continued. When I questioned him he indicated the buyer would get me for breach of contact. When XXXX XXXX stated the Bank in XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was refusing to release the escrow account. " The following XXXX XXXX XXXX ( XXXX ) Wire Transfer Confirmation XXXX has been retained for delayed deposit, uninsured payments, and security reasons by XXXX with the intent to combat XXXX XXXX Money Laundering. When I became desperate he indicated the last step would be for me to take a policy from XXXX. He indicated this would allow the insurance to help bridge communication between the bank and the seller. cost for this was {$9300.00}. Once I paid this, XXXX XXXX and XXXX XXXX stated the claim would be paid. The issue, this time I needed to pay the deductible. This deductible would be {$15000.00}. When I began questioning the both neither could provide details to this policy.

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 2022-08-31
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Resurgent Capital Services Claim that I owe Some account ending in XXXX. 
XXXXXXXX XXXX All my accounts were paid. 
XXXX XXXX XXXXXXXX I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX and XX/XX/2022, a total of {$3000.00} was fraudulently transferred out of my Chase account through XXXX. When I realized the fund was transferred out of my account, I went to the Chase bank campus at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in order to resolve the issue. The Chase bank representative decided to give me a temporary credit while awaiting for what they told me was an investigation. A few days following that investigation, Chase bank pulled the money back from my bank account and only left {$29.00} there. I went back to Chase bank to find out why the fund was retaken back from my account, it was when a representative from Chase bank informed me that it was someone from my bank account who took the money. It was a total lie, no one from my bank actually took the money, and Chase bank couldn't give me any proof that it was actually someone from my bank account who took the money. There is a new trend out there, where hackers remotely access your personal devices and access your bank accounts and other personal information. That type action in accomplished through phishing, spyware, viruses infiltrated through risky apps or website. I asked Chase bank to provide me with the proof that someone from my bank account actually transferred the money through, but the bank refused to do it. Chase doesn't have any concrete evidence that it was someone from my bank account who actually transferred the money out. I truly believe Chase bank is just making those allegations, simply because they believe we would commit such an act because of our race. I would like Chase bank to give me back my {$3000.00} as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid my credit card bill in full before the due date ( XXXX statement ) and now the credit company is charging me interest ( XXXX statement ). They said they continue to charge interest until they receive the payment even though I paid the account in full by the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
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: Investigation took more than 30 days

Complaint:
Almost 2 months later and I havent seen my credit disputes addressed by XXXX, XXXX XXXX and Equifax. This is a violation of thier timelines and is putting me and my family in financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are a lot of business inquiries on my credit report. i have no knowledge of these inquiries. I have sent in letters to the bureau, asking them to remove these items. At this point and time no actions have been taking. These items are affecting my credit profile and are stopping me from being able to obtain things. can you please resolve this issue for me and in a timely matter? These items were put on my credit report from XXXX of XXXX of XXXX!! 



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 non-monetary relief