BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can not open a checking account or savings account due to my consumer report because I had a Bank of America account closed Due to a bad check In XXXX of 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 2023-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or correct them immediately. 
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 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 explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX 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

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 2023-01-20
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 2023-06-06
Company: GOLDMAN SACHS BANK USA
State: AK
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:
My Apple credit card was compromised by Apple ID takeover in XX/XX/XXXX. Signifcant fraudulent charges were made on the credit card and have been satisfactorily resolved ( reversed ) by Goldman Sachs fraud unit. I paid the legitimate outstanding balance in XX/XX/XXXX. It took a prior CFPB complaint to bring the fraudulent charges to closure. The card was closed. 

Subsequently, the credit card was charged for the apple cash rewards related to the fraudulent items that were resolved/reversed. Goldman Sachs position is I'm responsible for the balance of these fraudulent rewards despite repeated calls with Fraud Unit to have the apple cash rewards reversed and resolved. I have proven I have no access to these rewards via apple cash as they assert. 

I have worked through the process Goldman Sachs requested. Apple has confirmed there is no ability to recover my apple id account after working the matter. I have talked with Apple Cash team and reviewed the fact I have no access nor did I benefit from the apple cash credited to me from the fraudulent transactions. The Goldman Sachs Level 2 Fraud Unit has corresponded with both Apple and Apple Cash representatives while I was on the line. In early XXXX, I was told the matter would be escalated to a responsible manager who could finally resolve the matter. I was told I should not be responsible for the rewards balance given I have no access to those rewards/nor benefited from them. 

I called Goldman Sachs today to confirm the resolution and was again told I was responsible for the balance and could again escalate the matter for review. I have made repeated calls to resolve this matter since XX/XX/XXXX and have exhausted my ability to communicate with Goldman Sachs effectively. 

Please assist me with resolution of the outstanding balance on this closed account, wholly related to cash rewards on fraudulent transactions. Goldman Sachs continues to report this balance as past due and is negatively impacting my otherwise outstanding credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: MS
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:
I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 

( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX  ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( XXXX  ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Through the 10+ years I had my checking and savings account with wellsfargo, I recall being charged multiple fees that likely totaled over {$400.00}.

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 explanation
Consumer complaint received 2023-06-06
Company: Synovus Bank
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received several monitoring notifications, stating that I have XXXX late payment with First Progress, even though I am current on all of my accounts. I had a credit balance a year ago, and I have not been using the card. This was a secured account that I paid {$1000.00} to open. The card that I have expired in XX/XX/XXXX, it has not been used, and I never got a new card.I also never received any statements or warnings about late payments. After getting the alert of a late payment, I logged into my online account and found this : RECENT STATEMENTS Date Description Amount XX/XX/XXXX LATE CHARGE FEE {$41.00} XX/XX/XXXXXXXX   LATE CHARGE FEE {$30.00} XX/XX/XXXXXXXX  MEMBERSHIP FEE {$49.00} XX/XX/XXXXXXXX XXXX XXXX XXXX DEBIT {$21.00} First Progress  is charging late fees on a membership fee that I was never billed for, on a card that is expired and can not be used. My last balance on this card was a {$21.00} XXXX  XXXX year ago. They charged a membership fee for a card that I can not use, and for which I never received a bill or late warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Everytime I would depsiti a check they always kept it on hold for like a week and that was that I coudnt do anything about it. Meanwhile account was being overdraft XXXX while check was being cleared.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: WA
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:
I had an auto loan in XXXX I had a baby and my insurance lapsed. Wells Fargo put their own insurance on the vehicle that I had to pay. Making my payments over {$300.00} per month for a {$9000.00} vehicle. When I was late on a payment, they would call and give my loan information to family members amd neighbors, not connected to my loan. I couldn't afford to get my own insurance because they refused to remove the insurance they were making me pay, despite many attempts to explain this to them. After I paid off the loan in full, I continued to get bills for additional amounts even though I had receipts showing I paid it in full.

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 2023-01-20
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage company on XX/XX/XXXX regarding payments that were sent to my account and not applied correctly to my mortgage. I was told I still owed for the month of XXXX despite the fact I have been sending several payments.I was told to submit a payment dispute, which I did on XX/XX/XXXX by email. Called the next day to confirm receipt they stated they didnt receive even though I have the automated response stating they did. I was told to resubmit request by fax on XX/XX/XXXX they received the fax. I called back 4 days later and left a message. I was told a supervisor or someone would call me back within XXXX hours. That never happened I have been calling once a week since to get a resolution to my payment dispute. I have the money for my remaining bill but refuse to send FayServing anymore money until they call me regarding my payment dispute and they fix my account. Today is XX/XX/XXXX. I have yet to speak with anyone but I received a letter in the mail for intent to foreclose by XX/XX/XXXX. I have been in good standing on my loan for the past XXXX years. In XXXX & XXXX I was late was making a payment a few of my scheduled payment were insufficient but I made sure I sent in payments after those payments was returned. XXXX is when all heck broke loose and no one will call me back. noone has resolved my issues yet. This is not how a mortgage company is suppose to handle their customers, especially the elderly. XXXX XXXX XXXX XXXX XXXX I should not be going through this at all. XXXX tired and dont want to try to steal my house from me bc of their incompetence. To date I have {$3600.00} on hand to cover my XXXX, XXXX and partially XXXX mortgage payments but will not send Fayserving a dollar until I can speak with a XXXX XXXX XXXX XXXX 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My account was concurrent and had positive balance then next time I checked my account it was in the negative status and I lost my money that was in there as well as the minor deposits I were making into my account

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 2023-01-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Unrecognized account with BMO Harris Bank In XX/XX/2022, I got a statement from BMO Harris Bank mentioning a savings account number with XXXX dollar balance. I dont remember ever opening an account with BMO Harris bank. I didnt even know such a bank existed and I had to search online to see that it is a legit bank. 

I called the number provided in that statement and spoke to an agent. When I mentioned the issue and asked them when the account was opened they said they cant provide that information. They said I need to go to the nearest branch ( which is more than a 100 miles from my house ). I told them that. They offered to close the account. 

I thought the matter was settled. I was still worried and put a freeze with credit agencies. 

I got another USPS mail statement in XXXX for XX/XX/XXXX for the same account number with a XXXX dollar balance I believe the BMO HARRIS bank is trying to open fake accounts - like another bank that did a few years back and was penalized. Initially I thought somebody opened an account in my name - assuming my SSN is compromised. Given that BMO harris promised me that the account will be closed and I still got the statement makes be believe the bank is doing something fishy. 

I called again and spoke to some one and explained the issue including the fact that the account was supposed to be closed last month. They put me on hold for more than 1/2 an hour. I hung up as I realized that they were deliberately doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a large deposit and they wouldnt release my funds. They put a hold on my account

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 2023-01-20
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been reporting fraudulent charges to Commenity Bank on my BJs credit card for 4 times over a month and they just keep ignoring it and not doing anytihng about it. They did send me a new card in the mail but they are not addressing the fraudulent charges from XXXX XXXX XXXX Games. They are completely unresponsive. They just keep transferring me around and ignoring my private email messages. 

Clearly their customer service is lousy but I still need this error corrected on my statements. 

I have reported 4 times already. Please ask them for a person to fix this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX 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 2022-09-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The accounts were unknown to me. I came across this law today and according to the 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 letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXXXXXX

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