BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
According to bank statements on XX/XX/XXXX a XXXX XXXX XXXX XXXX started making charges on my debit card that was in my possession in XXXX XXXX XXXX 
a XXXX search shows the XXXX prefix at the beginning to mean the merchant is using XXXX ( a service used by a business to charge credit cards ). A search using the XXXX website shows XXXX XXXX XXXX XXXX  to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this is or what they do. I have no business with nor have I had any contact with this business. I did not give them any information and I did not authorize them to make any charges to my card. According to the bank statement at Bank of America the charges started on XX/XX/XXXX and there were 8 charges between XX/XX/XXXX and XX/XX/XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX that I do not know and did not authorize. 
I have no who this is or what they do. I have no business with nor have I had any contact with this business. 
I did not give them any information and I did not authorize them to make any charges to my card. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XXXX XXXX I noticed the charges on XX/XX/XXXX I called Bank of America and reported all unauthorized charges. I called back on XX/XX/XXXX and was told the XXXX XXXX XXXX' charge had not been reported so they opened a case for that one then. 

After hearing nothing I called back on XX/XX/XXXX. This is when I was told they had found the claim not in my favor. The reasons given was there was a deposit before the charges started. The deposit was from XXXX and unrelated to the unauthorized charges. There are deposits from XXXX every other Friday and have been for years. 
The other reason was they determined I had " an existing relationship with the merchant '' this is untrue and they based it on a charge to a completely unrelated merchant that also used square. Their " investigation '' simply amounted to, there was funds in the account and I had purchased from a different unrelated business that used the same credit card processing company. This is at best incompetent and seems to be more dishonest than incompetent.

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 2022-06-07
Company: Experian Information Solutions 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:
Experian is not reporting the correct personal information on my credit file. They're allowing companies that have accounts with them who are subscribed to them to determine what my personal information is. 
According to 15 U.S.C. 1681, I have furnishthe information they're allowed to publish the written consent and being that the information I gave them is not the same as what they're reporting, they need to remove the info. 
I've already furnished my valid driver 's license, SS Card, proof of address. They need to remove that reporting. 
Correct name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, Florida XXXX the address info and name it has under my name is not correct.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: OH
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:
Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX is reporting a account charge off. Ive never had a XXXX XXXX XXXX card This account appears been opened online none of information matches mine

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 2022-06-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX I found that I was a victim of identify theft when I was displaced from my job and had to file for unemployment. EDD notified me that someone from XXXX CA had filed for unemployment twice during the pandemic. At that time I contacted all three of the Credit Bureaus to place a freeze on my credit. Yesterday I received two letters from XXXX XXXX that my application had been successfully withdrawn. I contacted XXXX to find out that two applications were withdrawn and one was pending. Non of these had I applied for. I tried to sign into my Experian account and the system would not let me, I choose forgot my password and saw that Experian was sending a reset to a email address that was not mine. I immediately called Experian to find that someone was able to remove the freeze I had placed, change my user name and email address. They informed me that there were five Experian accounts in my name with only one that was active. Not a user name I had set up. I can only imagine that this person could run my Experian credit report and have all of my credit information. Please advise what should be my next steps. Thanks, XXXX XXXX e-mail= 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 2022-06-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Equifax Credit report contains an unauthorized inquiry from XXXXXXXX XXXX XXXX  DATED XX/XX/2022. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: DC
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 have not authorized anyone to do credit check in my report and there have been about 18 inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into 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 2022-06-30
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attached. Former complaints regarding same company XX/XX/XXXX and XX/XX/XXXX were closed without resolving my concerns. Proof of identification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to case # XXXX and # XXXX which have been closed due to resolution. This case is not closed due to the fact that they stated that the reason the PMI on my loan should not be taken off is because this is a second home. When we purchased the home XXXX years ago it was, but we live in the home 100 % now. This is our primary home which meets the requirements of 80 % balance of the original value of the original sale price. The company has been coming up with reasons to not take off the PMI and coming up with bogus numbers to not take off the PMI. Why doesn't someone reach out to me before they send a " supposed resolution '' to CFPB? We still fall under the Federal Homeowners Protection Act and I will follow this complaint with the company until I get my just due. I want the PMI taken off of our loan due to the fact that we meet " ALL '' the qualifications to remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.

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 2022-12-01
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As part of Covid relief, payments after XX/XX/202 on student loans were eligible for a refund. I called and request a refund on XX/XX/22 and am eligible for somewhere between $ XXXX {$2500.00} back. 
I called on XX/XX/22 for an update and was told that my refund request had been approved. 
I called on XX/XX/22 and was told it will take 4-6 weeks to see any progress. 
I called on XX/XX/22 and was told the process can take up to 12 weeks. 
It is now XX/XX/22 and I have seen no change to my account balances and no refund has been issued, this is well past the XXXX week window that I have patiently waited for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$870.00} being reported as delinquent when I didnt contract with agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.

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 2023-08-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
I reported the identity theft to TRUIST which sent me the billing statement

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 2023-08-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
I purchased a small swimming pool related part from XXXX XXXX XXXX XXXX. The part was never delivered. So eventually I phoned and they credited us the price of {$6.00}. But the charge and credit kept recurring in the pending section of the account. Our credit card bank ( Chase Sapphire ) customer service refused to address the problem saying they can not do anything including blocking this merchant. I did not believe it. A supervisor supported the agent and then hung up on me. So we phoned back, got a different customer service representative who was much more helpful and sorted this out by connecting us to security to block this particular merchant. Chase needs much better quality control for its customer service. Customer service should have sent us to security the first time rather than state they can not block it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Paypal Holdings, Inc
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I didnt know where else to put this up, but this is for a PayPal pay in four application in the past, Ive used PayPal pay in four and never had a problem. I always paid it now when I apply it says I am declined due to previous pay in four applications that were not paid!! it was on auto pay, so how did I not pay for it? Ive asked several times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Equifax Credit report contains an unauthorized inquiry from XXXX XXXX XXXX, XX/XX/2022. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. They advised me to step into a branch & when I got to the branch drive thru and requested to close my account the teller was rude and giving me a hard time. I do not care about any fees because my account is under 6 months old please just close this account and return my funds and I will find a new bank to build a relationship with. M & T and their business practices are ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I sent a letter to the companies listed on letter asking them do they report accounts to the credit bureaus, they stated that they do not via letter. So if thats the case how the XXXX did they verify " my '' accounts as accurate. They never did a FAIR INVESTIGATION ACCORDING TO 15 USC 1681. 15 USC 1681 SECTION 603 NUMBER 3 E STATES THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPRESENTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THR CONSUMER REPORT ON OR WITH OTHERS WITH WHOM HE/SHE IS AQUANTED OR WHO MAY HAVE NOT JUST CONCERNING SUCH ITEMS OF INFORMATION. How was a proper investigation done? It wasnt.There are addresses that have not been removed from two of the 3 bureaus when they should have. The credit bureaus have violated my given rights under 15 U.S.C 1681 according to 15 U.S.C 1681 section 602 states that I have to privacy, also according to section 15 USC 1681section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681 s2 a1 a person should not furnish any information relating to a consumer to any consumers reporting agency if a person knows or has reasonable cause to believe that the information is accurate.

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Funds were wired to an XXXX bank account in the XXXX XXXX which was closed. Funds have not been returned to our account. We have exhausted all options with Bank of America. 
1. USD XXXX were wired to our vendor in the XXXX XXXX on XXXX XX/XX/2022. 
2. We immediately realized the account was closed and contacted Bank of America of the error within 8 hours. 
3. We have contacted XXXX in the XXXX XXXX. They say that account was closed and they have no record of receiving the funds. 
4. We have contacted Bank of America several times regarding returning the funds. The funds still have not been returned. We have contacted the wire transfer department and our branch manager to no avail.

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 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
I made a purchase form XXXX XXXX XXXX XXXX, and I submitted a complaint with the name of XXXX XXXX XXXX XXXX, this complaint is because the credit card company, Barclay, XXXX XXXX did not resolve my issue in my favor. 
The purchase I made was sent incorrectly, i did not receive the product I purchased. 
I have been trying to resolve the issue with XXXX XXXX XXXX XXXX, and their finmal resolution was that they sent me the right product. 
But it was not the case, as I demonstrated through pictures : I purchased XXXX Medium Firmness mattresses, and I received XXXX soft firmness mattresses. 
Barclays does not support their customers in their query for satisfaction of the products purchased from a merchant.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Consumer Financial Protection Bureau Experian  Both so much red tape. 
Experian has no way to talk to a real person yet they are allowed control of my personal credit record. 
No way to fix login. Account locked and no support. 

Called Consumer Financial Protection Bureau and their process so complex, tangled with bureaucratic red tape it's as impractical and inefficient. All about XXXX and frustrating to whom it, I suppose, is suppose to serve. 

XXXX XXXX XXXX XXXX XXXX XXXX designed to frustrate, pester and deny connection to a live person! 

I have no confidence in Any Organization, especially US Government or entities under it's control. 

PUBLISH THIS AS I'VE CHECKED THE BOX BELOW.

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 2022-06-30
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: Information belongs to someone else

Complaint:
the accounts/ inquires cant be verfied and need to be removed 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
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:
Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX  is reporting a account charge off. Ive never had a XXXX XXXX XXXX  card This account appears been opened online none of information matches mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation