BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted both of the credit bureaus XXXX and Trans union, and informed them that I had some inquiries on my credit that I did not authorize, I was informed that they had to do an 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 2023-04-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is horrible Equifax is reporting open balances on several tradelines for 4 consecutive months. They are also reporting a tradeline that is not currently active or being paid for. Ive emailed several time Ive called several times. I got upset at the lack of customer service and I cursed. 

Equifax is refusing to speak to me over the phone, answer my requests via email and when I do call they are rude and hang up the phone They are reporting inaccurate information and refusing to hear me out. Is there any other way to get them to do there Job Its stressful its stoping my business from growing. They are beyond horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted via phone repeatedly in XXXX about a medical debt that I owed by Allied Collection Services. The debt was not familiar to me, nor were they able to tell me the name of the Doctor or provider who I received the medical procedure from! I spoke with a supervisor and they were supposed to send me documents in the mail! They never did! Now today, XX/XX/XXXX, I was alerted via XXXX that I was put in collections by this company for {$210.00}.

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 2023-12-06
Company: FC HoldCo LLC
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company flagship put a debt on my acct which I consigned for with my brother the debt became charged off and closed and they are still holding this debt on my credit acct. I spoke with them before and they said they would remove it now they dont even answer for me so I havent spoke with them in over 8 months. The charge off was because transmission on the car went out and they said the warranty didnt cover it any longer so he stopped paying

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 2022-12-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have 6 accounts that were previously under Simple Bank that were depleted of funds in order to close prior to transition to BBVA. Due to delays with transfers, we were required to close the accounts with BBVA instead of Simple. The transition took place XX/XX/XXXX, and since that date I and the joint account holder have tried repeatedly to call BBVA during available customer service hours to speak with a representative about closing the account. I tried 2 times the first day ; both times I received a recording that said their system was down, and I was hung up on. The following days, I was able to make it through the initial automated system only to be hung up on every time I was sent to a representative. This morning I attempted to call 4 times with the same result. Ive attempted to find any other way to contact them to discuss this matter to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a continuation of XXXX about DISCOVER CARD. 

Unfortunately, Discover did not update my information with the credit agencies as noted in the XXXX letter. 

In XXXX, I had the opportunity to refinance my mortgage at 4.00 %. My original rate was higher than it should have been because of the ding to my credit report. 

Because my information was not updated by Discover to the credit agencies, when I went to refinance, I did not qualify for the 4 % mortgage rate as my credit score was still dinged. 

After reaching out to Discover in XXXX, they did fix their error with the agencies ... .however, interest rates had moved up and the lowest rate that I could get was 4.125 % as the process took a bit over a week. 

This is an extra {$280.00} a month I am paying through no fault of my own and, over a 30 year mortgage this is around {$10000.00} in extra payments. Had my information been updated a month, two months, three months, four months after the letter was received, I would have been fine and would have been enjoying a 4 % rate. 

I would like Discover to look into making a contribution to the extra payments that I have to make as I am being punished and paying a higher rate than 4 % due to their oversight and 5 months after the letter, no update of my status with the credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have dispute this inaccurate account since XXXX, XXXX, XXXX, & XXXX of 2023. I requested proof of the invetigation and they failed to send me the proof several times. They keep on re aging this inaccurate account, They have not updated and verified the date of last activity. This is illegal and my rights are actively are being violated. late payments are not supposed to reflect on a supposed charged off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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: Their investigation did not fix an error on your report

Complaint:
I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
I submitted a fraud claim with Bank of America shortly after I noticed a large charge at a supermarket I dont go to as well as charges in XXXX including withdrawal at an ATM. I recently had received a new debit card from them as my other was about to expire. I notified the bank employee that I had one of of my debit cards, but the other was missing. I was also confused as to how someone could use my card at an ATM as I dont keep my Pin anywhere on me, and the employee informed me that information is stolen all of the time. Claim was filed on XX/XX/XXXX18 and I received a temporary credit which totaled around {$450.00} for the fraudulent charges. I received a call on XX/XX/XXXX18 about my claim. I called back the next day and was told my claim was denied because it didnt follow a fraud pattern. Also told that on XX/XX/XXXX18 the credits would be reversed. I would have to mail a letter to get them to re look at the claim. By that time I will be out all of the money again which I can not afford as a student. For a company that says they offer 0 liability and as someone who reported the fraud as soon as I noticed it, I am astounded that they denied the claim for such reasons and I would have to re file a claim in order to try and get my funds back. That would be another month process and again, I would still be out my money. After doing some research I have found many people where the same issue has occurred with this bank.

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 2015-08-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a victim of fraud. On XXXX I notified SunTrust that I had some items on my account that I did not authorize and also noticed that I no longer had my card. I advised them that I last used my bankcard on XXXX at XXXX just to purchase a couple of items. I was told to submit an affidavit for the items that I was disputing and was told that I will have a decision within XXXX business days. I contacted them several times within the XXXX business days to get updates. They came back with the decision and stated that they saw no fraud was made against my account because my pin number was used. I told them I had just recently received that new card in the mail and no one had the PIN other than me. Some of the fraud was made using a XXXX ATM. I went to the branch location where the fraud was done and asked if I can review the video from the camera and I was told that they had no way of showing me. I asked if the video was even reviewed and they could never give an answer which makes me think that it might be a SunTrust employee that is associated with the fraud. I was told by the SunTrust employee that I would have to do my own investigation and submit more proof to them. The associated advised me to go to XXXX to request the tapes to be pulled, which I did, and was told that they do n't have the authority to show me and video surveillance and can only be requested from the bank institution or an investigator. I also asked if a signature card was pulled to prove that the signatures on the back of the check did not match my signature but once again my request went unheard. I am requesting a full refund of all of the fraudulent items including the fees and a FULL investigation from SunTrust in house because I feel that SunTrust has frauded me and is possibly frauding other SunTrust members. The items that I am disputing are 2 checking that was deposited into the ATM one for {$910.00} and {$930.00}. There also was an ATM withdrawal for {$500.00} and 5 Wal-Mart purchases totaling {$260.00}. Also I have been a LOYAL customer with SunTrust bank for over 10 years and my account has ALWAYS been in good standings. I used this account for all of my personal banking needs such as receiving my direct deposit from my employer and paying bills. I have also incurred late fees because I am unable to pay my bills due to the fraud on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I m using coinbase account regularly since last 3 years suddenly from the month of XXXX they have blocked access to my funds and mentioned 40 days waiting time for funds access. Then after 50 days I mailed them telling I'm unable to access funds, they mentioned to link my bank account, when I m trying to link bank account and sell the virtual assets they didn't allow to link, they have been mentioning in mails every month telling that we have extended time line for you to withdraw, when I try to open the portal it says please withdraw funds to completely close the account. When I try to withdraw it says contact support, when contact support they just simply mail telling you ll be able to withdraw funds in near future. I have clear mail asking them what is the reason for blocking my funds, they tell its not to be disclosed. This is not at all correct thing. What right they have to block my virtual assets without any proprt explanation .kindly help me My coinbase registered mail id : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: HARBORONE MORTGAGE, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Hi there, In XXXX of XXXX, Harbor One Mortgage informed borrowers that no payments could be made for XXXX due to a computer glitch. On XX/XX/XXXX, we were informed that the issue was resolved and payment could be made. I did this on the XXXX and the payment of {$2000.00} was with drawn from my Credit Union on XX/XX/XXXX. Harbor one then made the exact same withdrawl on XXXX for {$2000.00}, I called them for a refund as my checking account was now overdrawn and fees were being charged by the credit union. Harbon One told me ( XXXX ) that it was a system wide problem and there was nothing they could do. There was no manager to speak with, no email to correspond with, They said it would take time to put the money back and they had not idea of the time frame, ... ..days? weeks? months? 

I want my money back immediatley ... ... It's XXXX. This is alot of money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
my original debt was with XXXX XXXX. debt was purchased by jefferson capital. i settled and paid jefferson capital over XXXX i opened a checking account with XXXX  checking after doing so jefferson capital contacted me again with the same debt. i spoke with jefferson capital and they hardly speak english and are telling me to pay the XXXX. 
1account then a second account. On the 2nd go around they had my name spelled incorrectly. see attached of my passport and notice from jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive bank with chase for years & for years they overdraft me {$35.00} more then 5 times a month, one time when I called they even returned my money knowing they was Stealing from me, I took my direct deposit off because Chase was taking they money back which wasnt a problem but plus more and I started too not see my check which almost costed me my living even though Covid, it was absolutely NO remorse from the bank Ive bank with for years, they closed my account & I finally started too get my funds back in order I recently open it back up and deposited my boyfriend thats in XXXX  check in the account assured, that it was okay because I had a power of attorney of his funds being that he isnt available too handle it Chase Originally verified my check but said my POA wasnt valid, I then got the chase POA & signed & got it notarized me & my boyfriend thats in XXXX  after doing everything they ask me too do they Still gave me a hard time, this matter has costed me days of work as well as took it toll on my mental, I was Treated like a scammer by the same bank that have scammed me for Years .over drafting me for a dollar, Ive spoke too several people & each time they came up with a new reason not too release my XXXX check which is just crazy because I was ROBBED more then that from chase, I honestly felt singled out because Ive never heard of anyone having this problem besides me .i may not be rich and have a lot of money but Ive worked & Payed Taxes Ive been a honest hard working XXXX mother and i feel like Chase bank as taken from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Citibank, using a check I got from a job settlement from my lawyer. Two days later my account was closed for fraud and suspicion. The company explained that the check I have is invalid. My lawyer is telling me it works fine.

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 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Well i was owned with a different companys, like 10 years agonow this company debts collectors buy it, and they tried to collect money from 7 years agoso what i have to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EMVLP II LLC/FIS 28 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX XXXX CO ND XXXX - XXXX CO ND XXXX XXXX CO XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2900.00} written off. 
Status updated XX/XX/XXXX Original balance {$24000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments Purchased by another lender Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2023-09-21
Company: EQUIFAX, INC.
State: NE
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: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. 
I always pay on time and never missed a payment. 
I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief