BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Late XX/XX/2022 I received an email indicating my credit score decreased from the 800s to XXXX. I reviewed my credit report and noticed an account opened XX/XX/2022 with Bank of America. I did not authorize such account. According to BofA an XXXX XXXX credit card was passed on to someone who used my information. Also, according to BofA an address from New Jersey is attached to this card. I have never lived in NJ. 
Since I read your results of your investigation I am unpleased and continue to be frustrated. I will continue to contact BofA ( XXXX ) XXXX to get an update on their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On or about XXXX XXXX XXXX I was provided with a reward code from KeyBank for opening checking account ( reward code XXXX in the amount of {$200.00} dollars ). I also received a second reward code XXXX, in the month of XXXX XXXX XXXX, for opening a savings account in the amount of {$50.00} dollars. KeyBank had failed to comply with their advertising ads upon opening the accounts which I complied with their requirements to receive the rewards. However, due to KeyBank 's failure to process the reward code. I had to close the first checking account and request that the reward code be applied to the second opening of the checking account. Upon requiring about KeyBank, failure to process the reward code to the first opening of the checking account nor the reopening of the second checking account refused to comply with their advertising requirements nor complied to reward me for opening the saving account which had no issues. I stated that all requirements were met with checking account and saving account upon opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
First in XXXX he branch in XXXX at XXXX, VA refused to verify me inperson when I was trying to replace m debt card. I was there inperson wih all my id and children and the manager would no believe i was me. Then in XXXX on he phone Wells Fargo made me stay on the phone for hours while I asked them tto send me a copy of a old check. Then onXX/XX/ Wells Fargo locked me outt of myy online account while I was banking. Then Wells Fargo refused to verify over he phone for XXXX XXXX has had he same telephone number of mine on file for almost XXXX yrs. Then they sent me email saying that someone changed my mail settings and refused to tell me who changed them. I was even old at XXXXXXXX XXXX to go verify myself at a ATM machine! The next day I went to the XXXX XXXX location and I spoke to XXXX. She told me that their securitty dept changed my mail settings and never explained why. Then she ttold me that she put my children down as beneficaries ... When she did not. Two weeks later I went to the XXXX Va to ask for a copy of my beneficaries. I was hen told by XXXX that my children were no XXXX down as my beneficaries. When again for my children to be my XXXX XXXX refuse to add them as my POD. Then he refused to correct a error in my children 's savings accouns! They were rude and did nothing o correct the problem. He demanded to see my children 's birthcerticaes! My children have had savings with this bank for XXXX yrs!

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a payroll check deposited into my account in XX/XX/2022 and it was held for 8 weeks because they suspected it was fraudulent it was the check I was getting for over 7 months from the same company the check was for just over 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 2023-06-05
Company: Experian Information Solutions Inc.
State: NY
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:
Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting Experian to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2023-06-05
Company: Aldous & Associates, PLLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Greetings, I have been contacted via several emails and a postal letter by : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX The above contacted me about a debt not owed by me for my daughter in her student housing apartment complex, XXXX XXXX, in XXXX, Kansas. My daughter moved out officially on XX/XX/2023, and all utility bills were paid as can be seen in the attached files. If XXXX XXXX didn't acknowledge the payments it's because of the depth of ineptness within the XXXX management ; namely an assistant by the name of XXXX XXXX. 

In a telephone conversation, I asked for details of the alleged debt as nothing specific was mentioned. The letter only states : 'defaulted contract with the company, ' I was told in the letter to respond with a phone call or in writing by XX/XX/2023, to avoid any collection actions. I did so with a phone call. However, contrary to their statement of no action before XX/XX/2023, they had already posted a derogatory comment on my XXXX Credit Report on XX/XX/2023 ; an action inconsistent with their alleged policy. They are ignoble liars. Furthermore, on XX/XX/2023, I was advised in a telephone conversation with XXXX XXXX, a representative of Aldous, that I would receive an email that detailed the amount owed within 24-48 hours, but that never happened. Had I received that letter I would have had the time to respond in writing via overnight express mail, and stopped any collection activities or notifications to credit reporting companies, according to them. But unfortunately, their word and statements amount to nothing more than lies, and misleading letters and phone calls with their representative.

Two issues : The company lied about sending detailed info about the alleged debt. 
The company posted derogatory info to credit bureaus before the deadline to disagree. 

I want Aldous to pay the statutory amount to me as a consumer for their unscrupulous behavior, and remove all derogatory info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed an account listed on my credit reports by XXXX XXXX, XXXX hat did not belong to me and it was removed because they could not verify it. Apparently XXXX XXXX, XXXX then sold it to Transworld Systems Inc. and it was added to all three of my credit reports. I did not receive a dunning notice nor a notice of my right to dispute before that added this account to my credit reports. I wold like the erroneous debt removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Genesis FS Card Services, Inc.
State: PA
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:
My Mile stone card was used through my XXXX account. Since the charges was not me they refunded the money. However ; they later said that paypal confirmed it was me. I checked with XXXX and they said that it is not true and that my credit card company reported that they reimbursed me the charges. The credit card compant keeps saying XXXX said it was me. However ; I let XXXX know that it was not me and they also reported that they could not get intouch with the compant that I said purchased something from them and nothing was mailed to me. I have called the credit card company several times and get a non english speak or the phone hangs up. I confirmed with a rep that they never verified to the credit card company that this was me. This credit card company is completing theft by deception. 

Below is what XXXX has on file Case status : Under review We were notified by your financial institution that you filed a case for a payment made on XX/XX/2023 at XXXXXXXX XXXX EDT. 

There is no action needed from you as we review this case. Contact your financial institution directly if you want to cancel this case or need more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15.U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Why can't XXXX 's accept a cashier check made out to them from my account at their store? It's legal tender! 
I only got the cashier check after Capital One was unable to process a phone payment although my bank stated I had no problems on their side. Capital One was supposed to do the same XX/XX/XXXX but I guess the same thing happened, but they never told me and it was a time sensitive closing total. Now they are tacking another {$400.00} to my account! I walked the payment into their store after I got a cashier check because I'm not trusting them with cash, but I couldn't pay them because the store is unable to accept this form of payment. Why? Now my cashier check is in the mail. I spent several phone hours, then a bank hour getting the check, then I had to drive to Idaho to XXXX 's, I live in Washington, only to find out they couldn't accept payment. Cashier Checks are legal tender! Why doesn't Capital One accept it? ( fyi, you couldn't pay me to open another Capital One account! I closed this one! ) I wish to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello my car loan was under XXXX XXXX now I'm married my new last name is XXXX. I didn't call Wells Fargo because I just saw a article to contact you directly. 

I was charged a high interest rate and I was never refunded my XXXX insurance when I traded my vehicle.

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 2023-01-19
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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:
XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
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: Personal information incorrect

Complaint:
Trying to take the necessary steps to purchase a car, when pulling my credit report, I realized I had inaccurate personal information reporting on my credit report. It has been over a year that I have been trying to get all 3 reporting agencies to update my personal information so that it is no longer inaccurate. According to the 15 U.S.C 1681 ( a ) ( 4 ) law, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: WELLS FARGO & COMPANY
State: AL
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:
Wells Fargo improper use of information

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 2022-12-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XXXX I had XXXX XXXX so could not take advantage of the covid forbearance, so I consolidated into federal direct loans, so that i could at least continue to pay thru the forbearance to reduce my balance. In XXXX, when the president announced the temporary waiver, this program spoke directly to my issue. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX to XXXX. According to the temporary waiver, these payments would count, whereas before they did not. I submitted my signed employment verification along with any other documents need to Fed student aid on XX/XX/XXXX. My info was processed and passed to XXXX, and it was confirmed that i did qualify. By XXXX my payment counts were at XXXX This is where they still are. There has been no movement on my account since it has been taken over by XXXX. My counts don't go beyond XXXX and I just need someone to explain why. It feels like my account has been abandoned. I have tried contacting XXXX and they tell me that i need to just be patient and the counts will be updated. I uploaded a document to Fed. Student Aid that i was hoping to get a response on. I reviewed by past payments and i noticed that the counts stopped at the same time that Fed. Student Aid lists my account as being in forbearance ; my account was not in forbearance, but my servicer changed from Sallie Mae to Navient. I sent this information to Fed Student Aid along with upload of my payment history on XX/XX/XXXX. I got a notice saying i would get a response within 2 weeks. I'm still waiting. It has been over a year since i started this process, and while i understand that there is an enormous amount of interest in this program, i don't think that it is at all reasonable to have to wait over a year and not get any clarification from anyone. I was also sent a letter From XXXX, asking if i wanted the money that i paid through the pandemic pause refunded. I sent them notice indicating that I would ; crickets. I have heard nothing from anybody about anything, except XXXX telling me that I may be eligibel for pslf (! ). It's like they don't know that I exist. What do i need to do to at least get a reasonable response from someone with some knowledge of what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 
U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any reports any of the following items of information other than records of convictions of crimes which antedates the reports by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation