BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attatched XX/XX/2018 CREDIT CARD FRAUD CLAIM date XX/XX/2018. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD FOR TWO YEARS NOW. {$470.00} USAA CREDITS WERE NEVER PROVIDED UNTIL XX/XX/XXXX, XXXX ) USAA PROVIDED THE CREDITS FOR ABOVE CLAIM TWO YEARS LATE. XX/XX/XXXX, XXXX {$460.00} for fraud & {$100.00} for finance charges DOES NOT MAKE ME WHOLE. USAA HAS DESTROYED MY CREDIT DUE TO INACCURATE CREDIT REPORTING 3 TIMES CREDIT HAS BEEN DENIED FOR USAA FRAUDS NEVER RESOLVED. THERE IS MUCH MORE FRAUD. USAA NEEDS TO FINALLY BE HONEST. USAA OWES ME MUCH MORE THAN THE PROVIDED CREDITS. INTREST & RESTITUTION FOR DESTROYED CREDIT ON FRAUD REPORTED BY USAA. USAA THANK YOU FOR COVERING THIS TWO YEAR OLD FRAUD NOW PLEASE RESOLVE THE REST ** ( OF FRAUD REPORTED BY ME WITH WRITTEN DOCUMENTATION TO VERIFY I REPORTED THE FRAUD NOT USAA. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: IL
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 just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these Hard Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these Hard Inquiries be removed from my credit report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: GA
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 Follow-up 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:XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last month, my phone and wallet were stolen and my account is now negative {$550.00}. I have been trying to recoup my money from Wells Fargo for over a month. I was told the claim would be resolved within 10 days and that a temporary credit would be issued if more time was needed. Over 10 days pass with no communication so I call Wells Fargo to find out they had denied my claim because my pin was used. I requested a reconsideration and waited 2 weeks without an update and just called this morning only to be told that the last rep never processed the reconsideration. The rep from this morning said my claim was not going to be reconsidered despite having a police report. The reasoning for my denial was that my pin was used therefore there was no fraud. When asked if any investigation was done regarding checking ATM cameras at the time of incident, the response was I can not provide you with that information. After demanding information, the rep told me that they can send a letter home in 30 days. This whole situation is completely unacceptable and it is clear Wells Fargo did not perform a proper 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 explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NJ
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, 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 instrucTons 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 man seven vears 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 nas reasonable cause to belleve 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
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This is a complaint regarding Bank of America. A new checking account was opened in my name without my permission. I am unsure if this is fraud from another individual using my identity or a bank employee that opened an account without telling me. I contacted Bank of America at their XXXX number, spoke to an employee about the situation. He explained he could not help me, but transferred me to someone who could help. I waited on hold for over XXXX minutes but no one took the call. There is no option to dispute this account online, nor the fees that I am being charged for the account. I would like your assistance in closing the account, refunding the fees I was charged ( due to a XXXX balance in the account ) and investigating if Bank of America had a role in this fraudulent activity.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: MO
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 previously disputed these inaccurate accounts below and XXXX and XXXX to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have XXXX of the same account reporting on my XXXX with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
Company: EQUIFAX, INC.
State: MO
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 previously disputed these inaccurate accounts below and XXXX and Equifax to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have 9 of the same account reporting on my Equifax with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Inquiries : 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 2022-12-02
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to DELETE these unverified 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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: Reporting company used your report improperly

Complaint:
When it comes to the following Credit Bureaus [ XXXX, Equifax, XXXXXXXX XXXX XXXX XXXX XXXX but not limited to them only ; I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens [ 281 SW 715, 719 ] there is no proof of the alleged debt, nor therefore any such debt [ s ] in fact that exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Bread Financial Holdings, Inc.
State: PA
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 customer service

Complaint:
After getting an annual membership fee for a BJ 's card, I tried to find my credit card I realized I don't have one. I don't remember ever having it. 
I tried to call BJ 's to ask about it and cancel the membership but, because I didn't have the credit card number, I couldn't get through the voice prompts. I tried several times over a month. I've probably spent 5 hours on the phone over the course of 2 months, just trying to get through to someone. 
I finally, reluctantly paid the late fee in the next bill because I hadn't been able to talk to anyone about it. 
I kept on trying to get through to BJ 's to tell them I needed to cancel their card, and my membership. 
It took several more days until I spoke with someone from another country who assured me it was cancelled, and I didn't have to pay anything more. 
I just got another late fee from BJ 's. I still can't talk to anyone because I don't have the credit card #. Again, I've talked to people in another country who have passed me on to the wrong place twice and I waited another 1 hr. I am frustrated and refuse to pay another late fee for a card I don't have, and was told was cancelled, and which I already paid one late fee for. 
I am fed up and angry that I can't talk to a human. I will never deal with BJ 'S again. I want any late fee reports from BJ 's or Comenity bank removed due to this impossible situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
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: Reporting company used your report improperly

Complaint:
Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX I had been in the hospital fighting for my life from XX/XX/XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was fighting for my life Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate 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

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 2022-12-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account with Citizens Bank was an account they Bought with XXXX. I was very happy with XXXX, Citizens not so much.There website never works, signins do not work with the most popular browsers. We constantly have to call and wait on hold for hours and we are told upgrade our browsers. 

Now on top of this CItizens keeps Charging me services fees. As a 16 year long customer of XXXX I never had fees for statements, or not having direct deposit. CItizens inists on charging me these service charges XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} I want them waived because as an original XXXX customer I never had fees like this. To implement these surprise fees when they bought MY account is bait and switch. they shhould leave the services the way they were. These fees are completely unfair to people on limited income

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In response to my complaint # XXXX, Key Bank provided a letter dated XX/XX/2022 stating that, " As a further gesture of goodwill, we will refund additional overdraft charges of {$55.00} to the Account. This refund will be reflected on your next account statement. '' As of XX/XX/2022, I had not received the promised {$55.00} credit, so I contacted my branch manager. He stated that the branch could not address the problem and that I needed to reach out to XXXXXXXX XXXX corporate offices for resolution. I called the representative from Key Bank who wrote their CFPB response, and he stated that if I had not yet received the promised credit he would have it deposited to my account. However, he called back later in the day and stated that because the bank had refunded some fees to my account in XXXX he would not be crediting the additional {$55.00} to my account. I informed him that the letter he wrote in XXXX offered this amount *in addition to* the {$33.00} refunded in XXXX as a resolution to my formal CFPB complaint. I stated that if he was now refusing to honor that resolution, I would be filing a new complaint with CFPB. The XXXX representative stated he would look into the issue, and I requested that he follow up with me when a decision was reached. 

On XX/XX/XXXX, the representative called and stated that he will not provide the {$55.00} " goodwill '' refund as promised. I am therefore filing a new complaint based on Key Bank 's refusal to honor the resolution they provided to my CFPB complaint # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi there. 

My name is XXXX XXXX. On XX/XX/2022, the State of Illinois sent a tax rebate check ( i.e., trace # : XXXX ) to my closed PNC Bank checking account ending in XXXX and the check in the amount of {$50.00} was never returned to the State Comptroller 's office. 

I called the state comptroller 's office to verify that the payment was made. I received the confirmation from the state and a contact number ( i.e., XXXX XXXX ), to reach out to PNC Bank for the payment to be returned to the state. I called PNC and they verified receipt but couldn't verify the return of the check! Neither could they say that they were obliged to return the check to the state by Law.

Something was off with this approach! If an account is closed, the Bank is required to return the payment to the sender by Law. In this case, the Bank violated that fact. Upon realization, they hung up and did not answer my calls again. 

So, I'm reaching out to find someone with a bigger voice to resolve this simple fact that the Bank violated the law and they are hiding away hoping that I don't follow up. I'm a poor person, {$50.00} can make a difference in my life and the Bank just doesn't care. Can you please help correct this wrong which might be happening to countless folks without a voice? 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$23000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation