BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
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 noticed that Experian had failed to do their due diligence in keeping my consumer report fair and equitable to me and protecting my privacy, as required by Congress, and prior to receiving information about my rights from XXXX and them correcting all the errors in my consumer file, but there had been numerous inquiries furnished on my consumer file without without any permissible purposes and prior from previous correspondences no proof as of XX/XX/2022 has been provided permissible purposes to support the XXXX inquiries that have furnished on my consumer file pursuant to section 604 of the Fair Credit Reporting Act ( FCRA ). Furthermore, XXXX has violated the Fair Credit Reporting Act ( FCRA ) section 611 by failing to conduct a reasonable investigation as required by the above-mentioned section, by the information not being corrected, and by merely parroting information from the furnishers, not to mention that prior to the definition of a consumer report pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) / '' - the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also nothing under the FCRA REQUIRES a creditor to report negative information. Any late payments is being furnished without any lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ) And as mentioned above a Consumer report does not include transactions and experiences and thru Experian actions my consumer report has not been fair and equitable to me as pursuant to 15 USC 1681b and has done nothing but call distress and significant damages to my livelihood so I pray you up hold you duty in respecting and following the law and doing all acts in good faith and if there is a breach of this good faith clause and thing you say can and will be used against you in the court of law

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 2020-09-25
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX  was impacted by Covid 19 and the funds needed to help my XXXX  to survive, I was asked to upload my business documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to 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 2021-10-24
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made an order on XXXX XX/XX/, order # XXXX, which was charged to my XXXX XXXX credit card for {$59.00}. The item wasn't received, so I worked with the merchant and they were unable to do anything due to it showing as delivered by XXXX. They informed me to contact my credit card issuer, so I did. XXXX XXXX sent me the dispute paperwork and I uploaded it on XX/XX/. I had called in in XX/XX/XXXX  to check on the status and was told they were backed up with many disputes, so I waited. I messaged in through my online banking with XXXX on XX/XX/XXXX  explaining the dispute, timeline, etc. and received a response from XXXX XXXX to call the customer care team. I reached out to them the same day, XXXX, and was told the dispute was still being worked on and I'd have an answer/update within the next 30 days. 

I'm now past the 90 day mark for them to have resolved the dispute. I just got off the phone with XXXX and was told they are unable to help me and to call back in Monday morning at XXXX to see if they're able to assist. I feel like I'm getting the run around and really just would like credit for the item that wasn't received. At this point, it's not so much about the money but just the fact that I've been told several times that it is being worked on and I haven't had any follow up from XXXX other than when I have inquired.

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 2021-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a XXXX XXXX with over 10 years service to my country. I became homeless in XXXX  for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

Portfolio Recovery Associates, LLC : XXXX XXXX XXXX Portfolio Recovery Associates, LLC : XXXX XXXX XXXX  Portfolio Recovery Associates, LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
I request to Take this company off my credit report I never authorize the company to put their information on my credit report I have already expressed that they take it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My signature was forged on fraudulent activities in my account this happened in XXXX  from what the report says. They ended up closing my account resulting in me not having an account with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 received a notification of a transaction made with my credit card for the amount of {$3100.00}. I immediately contacted Amazon in reference of that unauthorized payment. Amazon used my credit card as back up payment for a transaction I was not related or familiar with. I have been for almost two month dealing with Amazon and Synchronic Bank. Amazon said they cancelled the order and to contact the bank. The bank is charging me for a fraudulent transaction made with my credit card without authorization.

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 2023-07-25
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the Ability recovery inc XX/XX/2023 at around XXXX on a Wednesday this company has a collection on my credit for {$790.00} that I was not aware of when called I went thru prompts to speak with someone which was not easy they don't tell you to press XXXX but I figured that part out and when I did speak to a woman she asked me for my social security number to confirm a account I had no knowledge of I refused to give her my ssn because why would I give my social to someone I don't know or heard of ... I asked the lady who can I speak to who was the company she's collecting debt for she asked me for a account number I expressed I dont know the original creditor to have account number she got snappy and said I need a social security number or account number or she couldn't help me and I do not have an account number because I'm not aware of this company as I expressed to the woman and I was not going to give somebody I do not know or have done business with my social security number especially after she couldn't tell me the company she was a collector for if it is a legit company she could tell me what company she has a collection contract with im aware ppl have more than one but she was not making me feel ease with her responses or she could at least just took my name and my date of birth to find whatever it was that they had on me if they had anything on me so I feel this a scam because I've never received anything in the mail from this company a bill a letter nothing even from the original creditor so to get further help with the matter I asked the lady that I was speaking to to transfer me over to a supervisor or manager so I can see what this is posted on my credit as a collection and the lady stated to me that she was the manager and the owner and that was another red flag to me for a company that's supposed to be a collection agency the first person that I speak to on the phone is the owner and the manager it just didn't make no sense overall the lady was rude and I have no acknowledged of this collection its hurting my score and I just discovered all this trying purchase my first home my credit report didn't have telephone number on the original creditor so I XXXX them and look them up and to my surprise I seen it was a lot of people all over the world have reported this company for putting false information on their credit and I'm just hoping that I'm not one of those victims

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 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: NC
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/XXXX, I recieved a letter from the Department of Veteran Affairs stating they overpaid me books and supplies for school for {$120.00} ( see document attached ). This was paid for in a timely matter in the letter attached. However, my Experian credit report classified this as a collection. I tried to resolve this in my Experian website account twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Instead of making any changes, Experian reflected the collection date to the date the dispute was finalized. Currently, my report is showing a debt collection of {$120.00} on XX/XX/XXXX. This reduced my credit score significantly and the collection date is obviously wrong since this overpayment was dated back in XXXX. This is the only previous account with a negative standing in my credit 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 2023-09-05
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a charged off account that I had with XXXX in the amount of {$740.00}. The first payment was made XX/XX/XXXX  in the amount of {$50.00} and the second was made on XX/XX/XXXX  in the amount of {$690.00}. 

Towards the end of XXXX I received a notice that a new collections account was reported on my credit reports from Jefferson Capital. Jefferson Capital shows that I owe {$740.00}, since apparently they purchased the account from XXXX. This is not accurate as I paid XXXX in XXXX. 

XXXX sent me an email after an inquiry from me telling me that they would forward the payment in XXXX. I contacted them today, XX/XX/XXXX, and now XXXX is telling me that the payments are pending ( which is not true as I have proof that they posted from my bank accounts ). Makes no sense to be pending since they were made over a month ago. They say somehow Jefferson Capital should have access to that ( which makes no sense since I paid it on XXXX 's website ). Jefferson Capital says they should have received the payments since they were paid so long ago. 

I don't know who is in the right and in the wrong but I know that my account has been paid and it's now being reported incorrectly on my credit report as a new Jefferson Capital collections account with a balance even though it was paid before Jefferson ever showed up on my credit report. This is not accurate and needs to be resolved by both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$5800.00} XXXX XXXX Balance : {$2.00} ; XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Marcus by Goldman Sachs is the holder of a savings account for XXXX XXXX XXXX. This account was set up to Transfer of Death. XXXX died XX/XX/21. I notified Goldman Sachs. They closed, or locked the account where i could not access balance or account number info. I am the Executor of XXXX XXXX XXXX. Because it was XXXX, no estate documents should have been required, but they insisted that these be provided. I filed a Small Estate Affidavit in Probate Court, XXXX County Tennessee. I obtained several certified copies, and sent one to GS. They returned it and said they can not accept one without a " raised seal ''.. I contacted my attorney, who contacted our court clerk. He stated they do not do a " raised seal ; '' Instead each certified copy is stamped and hand signed by the deputy clerk Because they will not accept what the court provided, and the court can not provide me anything else, I am unable to move the funds to the Estate of XXXX XXXX, and therefore can not close the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account without any explanation or release of my funds, they won't even tell me what my balance was at the time it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I asked bank of America for what is called a emergency cash transfer. On XXXX XXXX Friday at around XXXX. I have waited for 2 days now. I called over a 100 times to the last 2 days. I keep getting the same answer. It isn't proceed yet and I will get a phone call from a supervisor. Hasn't happened br I get it has been processed and waiting for confirmation number now through a email. Still waiting. They said it was only to take a few hours that Friday I asked for it. And then I get that XXXX XXXX is supposed to call r email me with the confirmation number. XXXX XXXX said no they don't ever do that that bank of America lied and they have the confirmation number to give me .. now an emergency isn't asking for funds and receiving it days later. An emergency is needing it that min. R day. Especially in my case cause my son in Texas isn't doing well he possible might pass away and I can't get there with out my card and money on it cause it's in the mail still and I am not getting help from bank of America like it says I can until I u card arrives on emergency money transfer. Now some one do something XXXX XXXX  it. If I don't c my son. Before he passes. I'm holding bank of America personally responsible

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 2022-07-21
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 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. This attempt is to tell you that I am a victim of identity theft and I am complaining this several times already 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, remove 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

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 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Im requesting some assistance on a bank draft I deposited into my Bank of America checking account. I was told that a portion of the check would be available next day, that is also written on my deposit slip. The next day, it was not available in my account. When I called BOA they could not give me a reason why, when I asked when it would be deposited they said we can not tell you that as we do not know, possible 7 days due to the hold. I requested why it was held, and asked for more details. They said they do not know why exactly there is a hold. 

This check was written on a bank draft, which is guaranteed funds from a XXXX XXXX account. 

Ive spoken to BOA every single day since Ive deposited it, they still have not given me a reason for hold, or a possible check clearing date. 

They refuse to release the partial amount that was written on my deposit receipt/slip.

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 2022-07-21
Company: Americas Car-Mart, Inc.
State: AL
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:
Accordance to the fair credit reporting act XXXX  account below has violated my rights 15 u.s.c 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX NEGATIVE Balance {$6400.00} Updated on XX/XX/2022 COLONIAL AUTO FINANCE/ POTENTIALLY NEGATIVE Balance {$9300.00} Updated on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation