BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to check my checking account this morning and it was open then when I checked it again it said account locked. I called Bank of America and they told me my account was closed and I asked why and they told me it was no explanation and it was a business decision. I had funds that was suppose to post today and also had {$10.00} in my account I cant access. First Friday they had a outage which caused my transaction to never be processed and me getting my car repossessed to this my account being closed for no reason while I had funds in 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I am having issues with XXXX and Transunion regarding my credit score.

My credit score with XXXX and Transunion dropped 45 points from XX/XX/XXXX to XXXX XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from XXXX and Transunion what new information caused them to drop 45 points with zero success. 

Fico and XXXX, both have me rated between XXXX and XXXX, which is where I was with XXXX and Transunion until they decided to lower my score 45 points and can not explain to me why... 

XXXX and Transunion are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

Regards, 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 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX an account with capital one was discovered in my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and files police report. Capital one is still not removing this account from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: FIRST HAWAIIAN, INC.
State: CA
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:
In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
WFDS seems perfectly happy to provide all kinds of extemporaneous info that does NOT PERTAIN to the specific FRAUD and ILLEGAL activity. 

To wit : INC-splaining their policy and how a loan maturity date gets extended or how payment/s were deferred in the past. This is NOT PERTINENT. 

The issue is simple. I paid off the loan and then they added a Dollar XXXX XXXX  to the loan days later after i had paid it off - thus illegally modifying the contract for the purchase and the agreed upon purchase price ; and THEN reported the dollar and late fees as a late payment to CRA 's. 

I was also assured via calls ( which their CFPB " answer '' acknowledges i made ) that late charges were a separate issue and not reported to CRA 's especially since not a part of principle or interest. They are in direct violation of the laws AND have rendered the contract void via their FRAUD. This is actually referred to as Fraud in the Inducements. Also- on another note - what good does the CFPB do?? you forward complaints and when they answer you 'close ' cases? How is that 'doing " anything? Have you no power? Are there no repercussions?

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 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One has been hacked before. Today, on XX/XX/2023 I can not access my accounts on their website!!! And I have 4 accounts!!!! I cant reach them by phone either. 

You can not continue to let these multi billion dollar companies get away with this!!!! 

Their website says we can not access your accounts but were working on it. 

How unprofessional!!!!!!!!!!! And extremely inconvenient!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My fathers neighbor house burned dow n ( thei r fault ) on fathers day   XXXX  . The fire destroyed my dads sunroom and burned down the fence and power poles between the  XXXX  houses. Shortly after, my dads  XXXX   XXXX   XXXX  d and he   XXXX   XXXX   in   XXXX   XXXX    . I finally got around to getting a contractor to estimate rebuilding the fence and all the yard damage at the end of  XXXX . I am the trustee of his trust, and the executor of his will. When I finally received the fire insurance check, the bank said they could not deposit it because it was made out to my  XXXX  and Rabobank since they hold a  XXXX  dollar note on it. I took the check to b ank, they said it had to be written to " The estate of ( my dad ). So I  returned the check to  XXXX  insurance and told them the issue. They reissued and check to " The estate of my dad '', and I took this check to the bank and they still would not deposit the check. They said I was only the trustee of his trust and not the executor of a will, or estate. They said I would have to have go through the courts to establish whether I was the executor. I found the paperwork that states I am the executor and took this to the bank and they still would not deposit the check. The branch manager told me that that I needed to have the insurance company reissue the check again, to " The trust of my dad ''. I had already spoken to the insurance co. and they can not change the entity to which they write the check, it must be the name on the policy at time of loss. I just had another conversation with the manager of branch, she says she would like to contact the insurance co and see if they can change the name, I told her I aready spoke to them, but be my guest, I also told her that I was currently sending a complaint to you. The check is for a meesly  XXXX  dollars, I am baffled and so distraught over not only the  XXXX  of my dad, but the issue of this check. This has been going on since  XXXX  now. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV FUNDING LLC, XXXX XXXXXXXX XXXX  XXXX SC XXXX, has not told me the original creditor for this alleged collection. Therefore I do not know if this debt is valid. I can not contact the original creditor to verify this account as is my Federal and state right.

Under 15USC 1681 ( a ) ( i ) I can challenge this account and dispute its accuracy. 

I don't believe I owe these people a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.       XXXX   XXXX   and Transunion : Credit Plus  XXXX  Transunion :   XXXX   XXXX    XXXX / XXXX /  XXXX     XXXX    :  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: OK
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-12
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I have held and account with PayPal for a number of years. My account was set up as a business account, because I was initially planning to start a business. That business never got off the ground. Therefore, I have never once used PayPal for a business transaction. I have used it as a payment utility, for internet security, and to transfer money between myself, family and friends. 
On XX/XX/XXXX, a friend who had come into some money, knew that I was having some financial difficulties, and offered a gift of {$10000.00}. I accepted. He asked how best to provide me with the funds, offering a check etc, but I suggested PayPal because they do not charge any fees for money transfers between friends and family. 
He tried repeatedly to make the transfer, but it wasn't working, so he offered a check instead, and I asked him to give it another try, and it finally went through. The following day, I found that PayPal had taken {$290.00}. And labeled the transaction a " purchase of goods or services. '' It was no such thing, and even though my account has clearly never once been used for business, they have refused to even consider my appeals. They have effectively robbed me. There was no credit or anything else other than the transfer that I have always been able to do without fees in the past. Not until there was a substantial sum of money passing through my account did they tack on an exorbitant fee. I needed every penny of that money, and would never have even considered using PayPal had I not believed it could be done at no charge. Thus far, my appeals have fallen on deaf ears. I hope that you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Charles Schwab account was frozen on XX/XX/XXXX or XXXX 2023. It is now XX/XX/XXXX and I still do not have access to my account. I contacted Charles Schwab and they said I simply have to visit a physical branch and verify my identity. I went to the branch on XX/XX/XXXX and provided requested documents. They told me my account will be unlocked in 3 business days. 

After 3 business days my account was still frozen. I contacted Charles Schwab again and was told that their fraud team was still investigating. The agent told me they would email the fraud team for a follow and they should be contacting me in another 3-5 business days. But I received no contact within that time. 

So, I called again. Another agent said they will email the fraud team and they will contact me in 3-5 business days. Again, no contact. 

I then talked to another agent who got ahold of the fraud team. They now said my in-person identity verification wasn't enough. They told me that a Medical Insurance check that I cashed was flagged. And that they need to verify that I was the person that deposited it. The agent told me to back to a physical branch again and verify. I brought the original check to the branch. 

The clerk didn't know what to do with it, so she called someone. Soon to tell me that that the original check was unhelpful. Wasting my time once again. She said she will email the fraud team for an update. Again, I received no such update. 

I was then told my an agent to try and get a letter from my insurance company to verify that the check is mine. My insurance said that don't do that but they can do a group call with the fraud team to verify. Problem is, even Charles Schwab agents struggle to get a hold of the fraud department. 

Also, my insurance said it shows in their system that Charles Schwab have successfully cashed the check. Proving that it is a real check. 

I have prepared my Explanation of Benefits that details and includes the check in question. If they would even accept that document, no agent in the subsequent weeks have been able to contact the fraud department to ask. 

Through the weeks, I have contacted several agents that will " email the fraud team '' and have gotten nowhere. They have held my money for almost 2 months under the guise of " protecting me. '' I have once again called for and update today, just to receive another " email and 3-5 business days '' response. I'm tired of running in circles with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have sent   XXXX   and Transunion letters and online disputed inquires as of  XXXX  present. I have gone back on some of the files and show different information as far as amounts and dates. I was never notified of any of the instances and to my knowledge a lot of the accounts were closed with  XXXX  balance. The information is unauthorized, incorrect and needs to be removed from my credit report. I was never notified that my information would be sold to a  XXXX  party and multiply  XXXX  parties at that. there are accounts that have been closed for years with  XXXX  balance still showing.

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 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My XXXX check was stollen from the USPS post office on XXXX XXXX. 
The person who stole the check deposited it via mobile deposit into his account at Bank of America on XXXX XXXX. The check was written to XXXX XXXX XXXX for {$6300.00} as payment for my property tax. Bank of America deducted the funds from my XXXX account even though the payee did not match the depositors account. I filed a claim with XXXX on XXXX XXXX. I was unaware of the fraudulent deposit until XXXX XXXX of XXXX contacted me about late payment to my property tax bill on XXXX XXXX. 
I have been in contact via phone with XXXX Customer Claims Department every month since the complaint filing on XXXX XXXX. They have stated that they are in contact with Bank of America who has acknowledged the claim and is working on a resolution. 
It has been XXXX months and there has been no resolution or return of my funds. 
Today I received a letter from XXXX stating that if they do not hear anything from Bank of America within 90 days of the claim submission they will close the case and my funds will not be recovered. 
I have filled a police report with the XXXX XXXX, CA police department and with the United States Postal Inspection Service and have not received any information from them.

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 2023-05-01
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
TD Auto Finance still has a lien on my vehicle. I paid it off in XXXX  so there is no reason for this lien to still be on the vehicle. Ive tried calling through various numbers over the span of a week but the Auto Loan department is not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: VA
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 fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.      XXXX , Equifax and  XXXX  : Credit Plus  XXXX   XXXX  :   XXXX   XXXX     XXXX     Equifax :  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 

Sec. 602 " I have a right to privacy ''. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation