BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I received an email from Bank of America on XX/XX/2022 with a complimentary offer to switch to the Bank of America Unlimited Cash Rewards credit card. After making {$1000.00} in purchases I would receive {$200.00} cash reward. 

In order to receive the offer I would need to click the email offer and make the {$1000.00} purchase by XX/XX/2022. 

I clicked the email to acknowledge the offer and start the process. 

In addition, I called Bank of America to ask a rep on or around XX/XX/XXXX about making a {$1000.00} purchase before I actually received the new card since the numbers were all staying the same. The rep told me that would be fine and I would still receive the bonus. 

On XX/XX/XXXX or XXXX I called Bank of America to find out about the status of my {$200.00} bonus. I spoke to rep who was surprised I did not receive the bonus yet but assured me she would make a note in the file and open a case # XXXX. She never told me I would not receive the bonus or I had not met the spending requirements. 

On XX/XX/XXXX I called again to follow up when claim rep told me according to the notes I did not meet the spending requirements because my purchase was made before the card was converted. She told me to quickly spend {$1000.00} on that date since it was expiring on XX/XX/XXXX. I told her this was not what the last claim rep told me and if they had at least I would have more than 24 hours notice to do something.

I feel this company was playing a bait and switch game with their client.

I have a lot of accounts with them and may have to switch to another company that values their clients.

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 2022-06-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a Wells Fargo account that among other services, promises free notary service. I recently sold a property and had documents that needed to be notarized. One Wells Fargo branch told me over the phone they could not do it. Another made an appointment for me but when I arrived, told me they would not notarize a real estate document. Nowhere on their website or anywhere does do they specify inclusions from the promise of free notary service. Since the transaction was to close within 24 hours and it was late in the afternoon, I had to go to a XXXX store and pay {$190.00} to get my documents notarized. I felt this was outrageous conduct by Wells Fargo, particularly at a time I was depositing {$600000.00} into my account. I want the notary fee refunded by Wells Fargo. 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 monetary relief
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Equifax to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department just to prove that I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging Equifax to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$65.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

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 2023-09-19
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Re : Consumer ID # : XXXX Date of Dispute : XX/XX/2023 Dear XXXX and Consumer Relations Dept, This is my second dispute of an inaccurate record in my XXXX report regarding a US Bank checking account. I am unaware of having a negative balance with this banking institution. 

I recently received a second copy of my XXXX report and discovered that it contains information suggesting an outstanding negative balance with US Bank. 

However, no documentation was provided to substantiate these claims. 

Your investigation into my first dispute did not provide me with any written documentation of this account. In light of this discrepancy, I kindly request that you provide me with the following documentation to substantiate the existence of this account : A copy of the account application or contract, if applicable, bearing my signature. 
Any relevant account statements, transaction records, or correspondence related to this account. 
In the absence of any such documentation, I ask that this information be immediately deleted from the records you maintain under my Social Security number and provide an updated 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 2022-08-22
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:
Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: DC
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 XXXX XXXX XXXX who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXXBalance : {$2300.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$3600.00} U S DEPT OF EDXXXX XXXXBalance : {$5700.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I attempted to use a XXXX XXXX XXXX XXXX ATM in XXXX XXXX, Kentucky with my USAA debit card. I put in the XXXX XXXX ATM {$1600.00} all in {$50.00} increments, so a total of XXXX {$50.00} bills. The ATM cancelled the transaction and read that it was unable to complete the transaction and that it was returning my money. The ATM then read that it was unable to return the funds and to contact my financial institution. I immediately went into XXXX XXXX to raise the issue. They stated that I needed to submit a dispute with USAA ( my bank ) in order to get the money back. I have tried to do several disputes with USAA but because the transaction was cancelled, they are unable to see the transaction and therefore can not the transaction. I have went to XXXX XXXX several times in attempts to get my money back, but each time I go, they tell me that USAA has to dispute the transaction. Both financial institutions are telling me that I must go to the other to get the money back. XXXX XXXX verified that there was an overage at the ATM I attempted to use on XX/XX/XXXX. After multiple phone calls with a higher up manger in the XXXX XXXX Customer Department, she stated that their hands are tied and they can not release my money until USAA sends something on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

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 2023-05-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I issued a check in On-Line XXXX  to pay off an Auto Loan with Chase Auto for the amount of {$45000.00}, this check was cashed on XX/XX/2023 satisfying the loan. XXXX, without approval, re-issued a redundant check to Chase XXXX on XX/XX/2023 for the same amount of {$45000.00}, Chase Auto cashed and applied this check on XX/XX/2023, to an account under my son 's name paying off his loan which was well less than the {$45000.00}. This was done without any communication, nor authorization or any form of consent. I have spent in excess of 8 hours on the phone with both XXXX & Chase, been to both bank branch locations numerous times without resolve. I have been promised a refund 3 times without it being sent. This has been going on for so long that I feel that Chase Auto has criminally stolen my funds and should be held in some type of legal justice and offer me some type of compensation for the time spent and the financial jeopardy that I have suffered from. I want my funds back now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Rent Recovery Solutions
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with rent recovery solutions/ XXXX XXXX XXXX these debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I lived in a different state ( texas ) since XXXX  just now moved back to michigan in XXXX was not in the state when the debt occured I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information . It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform, XXXX XXXX XXXX, that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation