BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Blitt and Gaines, P.C.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX filed for bankruptcy. XXXX received a letter that I owed estimated {$1300.00} for XXXX XXXX credit card under a different last name but with my info. Disputed it and explained that it was not my debt because I have none. I mailed back paperwork and on posted note asked for proof of debt. Didnt receive anything until months later received mail that I returned to sender. Since it was not my mail I was not going to open it. Time passed Im getting sued. Called lawyer office asked for proof of debt and was told It would be sent out. Didnt receive anything until weeks later received paperwork from sheriffs office. I mailed papers back to court And stated I would not be showing up because they sent the wrong person the wrong papers. Forward to present day, This attorneys office is trying to garnish my wages. I once again asked for proof of debt and explained to them I asked previously which they are denying I did not. I was sent a letter that still does not show proof of debt. All the information that I received was through the paperwork from the sheriffs office and never from any debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Money taken from my account multiple cards on my account that were not authorized by me I open reopened my transactions up for 2 years and they still just keep telling me the same thing for 2 years pending pending pending and they gave me money back on to my account for no reason then give me no reason why but won't look at my claims or honor my claims I reached out to them many times I sent them documentation they still continue to not want to extend the hand back and the lawsuit that they were just in that sounds a lot of familiar with mine they just gave me back XXXX in {$1.00} Bank of America Miss interpreting fees and they took out of my account and they didn't start giving me anything back until I opened up my claim again but they don't want to look at my claim and they want to honor my claim and they've been taking money from me from day one I don't know but somebody there's leaking information or giving people 's information away because I don't know where these cars came from and they will use on my account and towards my name and my account and I needed that money when I have had any independent I'm a single mom I have XXXX XXXX they don't care about any of that and I filed so many hardships and complaints it's not even funny well over a XXXX still no outcome or no nothing I don't think making America should be getting away with taking people 's money because they're still doing it they've been doing that to me and then putting mysterious money on there and not telling you reason why and all of them just keep telling me misleading information and I feel like I need an attorney this is not right what they do to hardworking people holding their money keep they never let you get the money when you have anything you always put a hold on you then they take out all these extra fees for what and they don't stop the bad people that are compromise your account

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 2022-07-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, My name is XXXX XXXX. I was a customer of citi bank. I have files two complaint in CFPB before. last complaint number is XXXX. First complaint i have mentioned that citibank closed my account without informing me. and didn't refund me my money which was total of {$21000.00}. right after i submitted my complaint in XXXX, they have refund me {$12000.00}. and It was missing {$8800.00}. Then i have compliant again in XXXX  to help me get my {$8800.00}. after i complained they have send me a check of {$8800.00}. When I deposited {$8800.00} in my XXXX it deposit that money in my chase account.But after two days later i saw my account become negative {$8800.00} because citi bank didn't allow my XXXX bank to deposit the check. Then i contact my XXXX bank they told me because citi bank did stop payment on that check. Then I again start calling citi bank to remove the stop payment. It happened like before they start mentally harassing me. Every time i call customer service they told me they will give me the money back but i never receive. Please help me to get the check of {$8800.00} again. I'm going to provide all the proof i have. I also have provide the letter i received from citi bank telling me they will send the check right after i contact cfpb. But they send me check which has stop payment. please help

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 2022-07-12
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I contacted by phone customer service and tried to get general account information. I sent in my Identification card as proof of verification. I was still not granted account information. I need to check general account information when I call. I in addition have basic questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: LA
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 sent my Deletion letter from XXXX XXXX to the Credit bureaus and they refuse to take the Bankruptcy off my credit report. I sent them the letter from XXXX XXXX because they had no way of proving the Bankruptcy was valid because the courts don't verify and XXXX XXXX deleted it from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
One day I log on my account and I saw a charge in my account that I wasnt aware of and I called my bank they open up a claim and they credited it to my account and I want to sue Bank of America for false information they said I could keep the credit it wasnt gon na get take back but since whoever did fraud my account they send it back to them and now Bank of America owe me XXXX for not releasing my social security benefits to me for taking it they said I have to pay off the negative the put in my account for no reason I didnt ask for no one to do fraud in my account why I have to pay XXXX back Bank of America never informed me they was done with the claim they never reach out thru email or phone call I wasnt aware they was gon na take the credit and put me in a negative Im a XXXX mother and Im on XXXX and Bank of America been taking my check I get XXXX each month it been two months they took XXXX from me how do I get that back I need help

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 2022-05-26
Company: Experian Information Solutions Inc.
State: PA
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:
I previously submitted disputes ask you asking for investigations into XXXX XXXX XXXX  account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. XXXX XXXX has come back saying that there was an issue in their software and because of that they could not report to Experian. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far

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 2022-05-26
Company: EQUIFAX, INC.
State: PA
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:
I previously submitted disputes ask you asking for investigations into XXXX XXXX XXXX  account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. XXXX XXXXXXXX  has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 

please see attached all the letters sent to this company and proof of my identity

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 2023-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX ; XXXX XXXX The XXXX for XXXX  XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Your financial institution of Wells Fargo bank mailed in a billing statement with the wrong amount. The amount showing on the billing statement is a positive balance of {$480.00}. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2019-02-11
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019, I sent XXXX credit card {$250.00} ; keep in mind my limit is {$500.00} I was not over it. Somehow they ate up {$150.00} 's in fees ; the largest fee being the annual fee of a {$100.00}. This is unexceptable. The advertising shows no annual.

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 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am currently awaiting funds to be awarded back to me from capital one bank USA from fraud claims and have provided the necessary information including police report to the company. After filing fraud claims I was notified that my bank would be ending banking relationship, and that was over XXXX months ago. Every time I go into the office I have issues with the customer service and they do not want to give me my funding. Furthermore each transaction was moved into a separate dispute process even though they were reported together and on the same report. This is a sluggish company with incompetence running thru its veins. I have {$500.00} in a bank that is no longer associated with me and I can not get my money out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was totaled and the insurance company sent a check to pay off the remainder of the lease. Both myself and the claims adjuster verified the payoff balance and my online payment history reflects that the payment was made on XX/XX/20. Hyundai continues to bill after the payoff including an automatic payment of {$250.00} from my account. I turned off the auto payments and requested the return of my payment and that the account be closed but the request was not processed. It is now XXXX and I received a collection call on a Sunday morning. The company was not able to tell me why I was getting a collection call and then hung up on me. I called back and was told I had to call on Monday to get the issue resolved and when asked to speak to a supervisor to understand why they are not recognizing the payoff on my account, I was never put through. A collection call on a Sunday when you can not provide any customer service to resolve billing issues is unfair business practices.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed this account ( Pheaa XXXX ) multiple times & Transunion has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Transunion or XXXX proving that this account is mine. This is illegal!

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I previously submitted disputes ask you asking for investigations into XXXX XXXX XXXX account # XXXX, XXXX and XXXX. Reason being I hope three accounts with them but they have reported negative payments on falsely and secondly have not reported any sort of data or update on the accounts with any of the three bureaus since XXXX. Automotive credit has come back saying that there was an issue in their software and because of that they could not report to XXXX. Even if that was the case they havent updated or reported to ANY of the bureaus and so my credit rating has been tarnished because of it. and it has held me back from obtaining credit and growing my company. 

I request at this company be investigated and looked into the fraudulent practices that are harming me, probably thousands of others, and might be subject to a Civil dispute at this point. Im almost certain the reason they havent updated this or made the corrections is because it probably cost them money to report the corrections and updates to the credit bureaus. I have attached previous complaint, response and also the account history showing that payments are actually paid up through the month of XXXX so far

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 2021-10-23
Company: EQUIFAX, INC.
State: NC
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 contacted Equifax in reference to some unauthorized inquiries on my report. I requested they be deleted. 
Equifax sent information back to me stating the information I disputed had been received, but failed to state they investigated and verified the results. They stated the inquiries are factual record. I would also like documentation as to how they determined these inquiries were factual record. They also stated they were results of a REINVESTIGATION, but this was the first time I had made this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Lockhart, Morris & Montgomery 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a fraud alert on my credit card. I noticed the card was used and I didnt make the purchase and did not authorize the purchase. Capital One said they would freeze the card and do an investigation. A week later they concluded there was insufficient evidence of fraud and that I or am authorized party may have benefited from the transaction. I do not have an authorized person on the card and I was home at the time of the transaction, I had the card in my wallet 20 miles away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
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