BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Unauthorized purchases totaling {$7300.00} we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit. In XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted, as Bank of America made a decision within 10 days of me filing a dispute. There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits.

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 2022-06-06
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
Convergent Outsourcing continues to report that I owe on 2 separate accounts. One being XXXX  for {$1700.00} acct # XXXX and the other XXXX {$1000.00} Acct # XXXX. These accounts are over 7 years old and should have fallen completely off all my credit reports. I have submitted disputes to Convergent Outsourcing at least 3 times during this past year to no avail. My last certified letter to them was in XXXX & XX/XX/2022. They still refuse to remove. 

Could you please help me with this situation? 

Thank you, 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 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to remove a credit freeze from my Equifax credit file. I tried doing it online but the system said there was an issue. I tried called and I was referred back to doing it online. Next, I sent a letter on XX/XX/2021, asking Equifax to permanently remove the credit freeze from my profile with no response. I sent another letter on XX/XX/2021, and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: CA
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/2022 I filed a CFPB complaint ( # XXXX ) against Equifax regarding account : XXXXXXXX Acct XXXX XXXX ). On XX/XX/2022 I received a response back and the case was closed stating I would receive results of the investigation. To date, I have not received any communication or documents that state this account belongs to me and I am seeing even greater inaccuracies in reporting. THIS COMPANY IS IN VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: NY
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 have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, natural person am filing this dispute on my behalf. The consumer reporting agencies are reporting inaccurate information to my consumer report without my consent, exhibits are attached 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To Whom It May Concern, I have been having issues with Wells Fargo bank since XX/XX/2022. It started when transactions would hard port, fall off and come back and hard post again and then I would incur over draft fees. This continued to happen with multiple charges and I had to end up using most of my paycheck one week to pay back what was said over drafted. I always make sure the funds are there to cover my charges. I even transfer from account to account within Wells Fargo and I end of being charged over draft fees for that because it was said it wasn't posted. How can that be when it is in house? I have 4 accounts with Wells Fargo. This has been continuously happening with all 3 checking accounts with them. I have had about 3 escalations and have gotten correspondence on 2 of them. I have also been scammed out of {$1500.00} through using XXXX XXXX  with Wells Fargo and I opened 2 separate claims with Wells Fargo and was told there is nothing they can do. I spoke with XXXX a few times and they advised to contact Wells Fargo about getting my money back. I have yet to get anything back and was basically told oh well you will not be able to get your {$1500.00} back. This was sent from 2 of my checking accounts for a service I was suppose to get for a home and never got the service. The only thing that was done was the other party 's XXXX account was shut down. I need some type of resolution on these issues please. I have lost thousands of dollars within the last 3 months.

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 2022-06-22
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: Account status incorrect

Complaint:
I had 2 different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( XXXX XXXX XXXX ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed.

2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Company : PayPal Service : Paypal Reference : XXXX Date Raised : XXXX XX/XX/2023 at XXXX : XXXX When it happened : XX/XX/2023 Where it happened : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX, XXXX What XXXX XXXX XXXX Happened : HII I REVIECED AN WRONG PRODUCT FROM PAYPAL SELLER NOW THAT SELLER DID NOT GIVE ME THAT PRODUCT NOT EVEN GIVING MY REFUND {$50.00} I RAISED CASE ON PAYPAL AGAINST THAT SELELR PAYPAL IS SAVING HIM BZ THEY WILL HAVE TO GIVE THAT PAYPAL BACK paypal saying i can not do anything helping fraud seller What I want : i want my refund back and punish that seller and i want from PayPal write down sorry letter and to fraud with me This is how they responded : in paypal chat inbox I have decided to escalate my case to you because : The company didn't uphold my complaint paypal helping fraud seller one of that did with me also i do not want to repeat that again i did raised case over there i showed the evidence i have what i order what he give paypal decline my evidence say we do not allow that but seller show same evidence evidence they validated that not mine helping fruad seller Yours sincerely, XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Compensation XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX this amount is going to remember to help the fraud seller again bz paypal really wasted my time and helping fraud seller User account email XXXX XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Social Finance, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
SoFi was offering a {$300.00} incentive to set up direct deposit in a Checking and Savings account, and deposit {$5000.00} within 30 days. I used to have a brokerage account called " SoFi Money, '' but not their new Checking and Savings account. 

Per the terms and conditions I was given on XX/XX/XXXX : " Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. '' Please see page 7 of the attached pdf.

I requested access to the new Checking and Savings account on XX/XX/XXXX. 

The following day, XX/XX/XXXX, I logged into my SoFi account and was greeted with display offering this same {$300.00} bonus. I wanted to double check, so I spoke with SoFi 's chat support. A live agent named XXXX XXXX informed me that I was eligible. Please see jpg files 1 and 2. 

On XX/XX/XXXX, I reached out again to SoFi chat support because I had expected the {$300.00} bonus to be deposited by then. A live agent named XXXX XXXX apologized that I hadn't received the bonus yet, and said it would be awarded " in a couple of days. '' On XX/XX/XXXX, I called SoFi by phone. I was informed that I was not eligible for this bonus, and that I had been misinformed. The agent I spoke to told me that it was their fault I had been misinformed, but the bonus would still not be awarded. I asked to speak to someone higher up. 

I then spoke to XXXX XXXX. She told that direct deposit activity on my old " SoFi Money '' brokerage account disqualified me from earning this bonus. I pointed out that there was no such language in the terms and conditions that I accepted. She said that there was language specifically excluding customers like me on their website now, and that they reserve the right to change terms and conditions at any time. 

I pointed out that this was unfair. I reminded her that they admitted this was a mistake on their part. I also pointed out that " changing the terms and conditions at any time '' would allow them to refuse the promised bonus to any customer at any time. Ultimately, XXXX and I could not come to resolution. 

I feel like this is a bait and switch. I did my due diligence, I followed the rules as presented to me when I accepted their offer, and I verified multiple times that I was eligible for the promotion. It's only after I deposited three consecutive paychecks ( and bolstered their balance sheet for investors ) that they now say they changed the rules and I don't qualify for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Medical Data Systems, Inc.
State: MO
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:
I contacted Medical Data Systems regarding a medical bill that the VA would have paid had their client properly submitted the bill. VA spoke with Medical Data systems on XXXX they informed the VA they would remove this from my credit report while this has been investigated. They did not and they continue to call and threaten me.

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 2023-07-21
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2023-05-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I been a customer with US Bank for years. Last year ( 2022 ) I had a problem with fraud on my account, they placed a 30 day hold. It ended up being over 60 days. Was being referred between the local manager and corporate office. Finally after threatening to sue the very rude manager, he was able to give me my check with my account balance but not before stating that the bank would be done doing business with me.

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 2022-11-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Citibank sent me a fraud alert message on XX/XX/XXXX and my account was closed and a new card was issued. After the XXXX several charges were also made from XXXX eats and none of these charges were authorized.The following charges were unauthorized XXXX XXXX both on XX/XX/XXXX XXXX both on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX I never use the debit card I filed a dispute and they denied it

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 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Bank : Capital One : Case ID XXXX My name is XXXX XXXX and I am a victim of excessive fraud charges on my account. I feel I am getting no where with Capital One and they are not protecting their customers except sending me in circles. On or around XX/XX/XXXX, I received an alert from Capital One querying if I made charges on my credit card, my response was " NO ''. The card was in my possession, however, the card was destroyed immediately and a new card was issued which I did not activate. The new card sent by Capital One was hacked by XXXX on XX/XX/XXXX and XX/XX/XXXX which Capital One acknowledged and they could not explain to me how was my card activated by someone else. If that was not enough on XX/XX/XXXX my business account with Capital again was hacked for {$25.00} which has been pending on my account, company name XXXX I am at my withs end and with this fradulent act and Capital one is not taking responsiblity for exposing my data. They are holding me responsible for this huge balance which is affecting my credit score. They can not even tell me who activated my new card but yet they are harrsasing me to pay the monthly fees. Please, I need your help, I am fustrated. I have attached the documentation. My cell is XXXX. Thank you for your understanding. I almost want to believe this fraud is internally. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXXXXXX 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 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 explanation