BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

XXXX XXXX XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

I understand the complexities involved in such disputes, but it is crucial to comprehend the gravity of the situation from my perspective. Every day that passes with these fraudulent accounts tarnishing my credit report brings about additional distress and uncertainty. 

I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfills these legal obligations without further delay.

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 2023-09-16
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company can not come after me or collect on this debt since the Florida status of limitations is 5 years. 

This company has gone against Florida collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Zions Debt Holdings
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel like I was Scam. When I disagreed to the charges I asked for a copy of my agreement with the company. The signature on the agreement was not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: U.S. BANCORP
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXX my lease was totaled. I contacted USBank and requested a buyout amount on XX/XX/XXXX. I wanted to exercise my buyout option. The bank provided me with a buyout of {$35000.00}. I was contacted by my insurance company who determined value they were paying off was {$47000.00}. I then received a letter from USBank on XX/XX/XXXX that they were keeping the surplus amount and that a buyout option is not available to me. 

I spoke with a supervisor today who stated that on XX/XX/XXXX USBank changed their policy and will no longer return surplus amounts. I have a sibling who signed the same contract I signed for a different lease with USBank in XXXX of XXXX and he was refunded the surplus insurance payoff. 

How can USBank not allow me to exercise my buyout option when I initiated it prior to the vehicle being totaled? How can they keep a surplus of approximately {$12000.00} and profit from the insurance I am obligated to have?

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 2023-09-15
Company: Denefits LLC
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XX/XX/2023 around XXXX Denefits billing start texting and calling me they ask me can they charge my card I said no but they went ahead and charge my debit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
on XX/XX/XXXX, I called to have Genesis FS Card Services aka Milestone Mastercard removed the XXXX annual fee for this year and close the account so that I can pay the balance off and the customer service representative refused to removed the fee and close the account citing that I used the card at a vendor. I informed the representative that I used the card at XXXX on XXXX and the fee was placed on the card XX/XX/XXXX which is after the charge. I asked for a supervisor and the representative dropped the call. I want the company to remove the fee, close this account so that I can pay the balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX XXXX  and Trans Union are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2023-09-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital Accounts XXXX XXXX XXXX TN XXXX I dispute the alleged debt of {$5000.00} and I have not received any proof of its validity from the debtor. I have asked for this debtor to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my husband passed away. I lost his income as well, I didn't draw enough XXXX benefits to pay the mortgage payment & electric bills, water bill, all insurances. I told the mortgage company what was going on XX/XX/XXXX I had a appointment with Social Security to receive spousal benefits & I started receiving them XX/XX/XXXX. I tried to pay a payment XX/XX/XXXX the company didn't take it they told me my account was in the early process of legal services. I've had representatives come to my home & ask for my husband they were informed he was deceased thats putting so much stress on me. My daughter is XXXX years old & is in XXXX XXXX of XXXX XXXX XXXX. This is truly more than 1 person can take. I've lost my husband of 30 years & I'm loosing my daughter please help me keep my home.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am writing to assert my rights and demand XXXX and consumer reporting agencies stop racketeering in attempt to extort me. i demand XXXX account be remvoved promptly along with all late payments on the report. XXXX has stolen my identity. I do not and have not ever consented or contracted with XXXX i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that XXXX is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if XXXX doesn't want to be sued i highly suggest ease and desist. This is also a violation of MCPA, MICHIGAN PIPA, MCRA. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving XXXX and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/2023 XXXX

Company response to consumer: In progress
Consumer complaint received 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I opened up a secured business card which required XXXX in a cd .was told that when the cd mature which it did on XX/XX/XXXX that it will automatically turn into unsecured. That not the case. Found that it has to go through A '' REVEIW " AND IF I QUALIFY ONLY THEN IT WILL BE UNSECURED. THAT IS NOT HOW IT WAS EXPLAINED NOW I AM CLAIMING FRAUD ON BANK OF AMERICA PART NOT PROPERLY EXPLAINING HOW THE CREDIT CARD REALLY WORKS.

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 2021-05-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card on XX/XX/2021 with Wells Fargo Credit Card they sent me a letter today XX/XX/2021 that they could not verify my identity and that I would call them. They asked me for my date of birth, my address, my last 4 of the social. They answered me that they could not verify my identity and I had to apply again without asking other questions without asking me for any information to verify my identity, only that I would apply again as if that would not affect my credit. So I asked to speak to another person who refused to help me. I am being discriminated against for being XXXX, I told that person that I had had a mortgage with Wells Fargo and he told me that they did not care, I told him I had XXXX on the credit score and that he had not denied the application, they only had to verify my identity and hang up the call. They want me to apply again I don't know with what intention since the credit is excellent and they did not deny me the card their excuse is that they can not corroborate my identity but they do not give me alternatives to do it I feel discriminated against because of my XXXX  they treated me like XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-26
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My checking account was migrated from Simple Bank to BBVA on XX/XX/2021. 
After learning BBVA charges NSF fees, which Simple did not, I elected to close my checking account. 
On XX/XX/2021, I logged in online and attempted to transfer the remaining funds out of my BBVA checking account. BBVA 's online account access gave me three options to transfer out my funds, an electronic transfer ( ACH ) with a {$3.00} fee, a wire transfer with a {$15.00} fee, or a transfer service named XXXX with no fee disclosed in the transfer section of BBVA 's online account access. 
I attempted to register for XXXX and was given an error indicating I already have a XXXX account ( there was no option to log in to an existing account ) and instructed to call BBVA at XXXX XXXX ) XXXX. 
I called XXXX and reached several non-native speaking English representatives that could not understand me when I explained I wanted to close my account and needed options to get the funds out. One representative proceeded to go over my transaction history, and another proceeded to discuss NSF fee policy, despite me never having inquired about either. The last representative agreed to transfer me to a native English speaker, and then hung up on me. 
It is my feeling that BBVA is purposely making it difficult to close my checking account by requiring the account have a XXXX  balance prior to attempting to close the account, charging fees to transfer funds in attempt to discourage clients from closing their accounts and staffing their related phone assistance line with non-native English speakers, something I am certain they do not do for all account servicing phone lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was in a XXXX XXXX XXXX XXXX XXXX, while in the XXXX  i had to replace my credit and debit cards. my account was set up on auto pay. when i iwas in the XXXX i had to cancel my debit cards and others due to them being lost. my payment was processing from the previous card that was closed out and my account was late and i had 3 returned payments advised the capital one, and requested for something to be done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX XXXX from PayPal XXXX XX/XX/ at XXXX XXXX to XXXX XXXX XXXX via debit card transfer that only takes 24 hours to post and it never was deposited into my account. PayPal still has the money and never completed the transaction although they told me they did.

Company response to consumer: Closed with explanation