BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: MA
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:
Greetings, My name is XXXX XXXX. I have been working on my XXXX XXXX for a couple of years now. Paying everything on time, paying off credit cards with low balances. My XXXX XXXX nearly made it to XXXX for the first time in a long time. The company called lending club-used for dental work. Which is another story I dont understand why dental insurance does not cover like regular insurance. XXXX health is just as important as all other health issues. AnywayI opened an account with lending clubnever got a paper bill in the mail. Finally got informed I owed {$1900.00} for partially paying for a {$6000.00} implant, which is insane by the way for ONE tooth. My account went 60 days late and my credit score dumped over XXXX points! This is wrong! I called them and paid some of the payment I was late for and caught up actually today with the remaining {$75.00} to bring the account current. My question is who is policing the credit agencies?!! How can they decide to destroy my credit over being late for two months? 

Sincerely 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 2021-05-05
Company: American Coradius International LLC
State: IN
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:
The statement made by this company is a complete lie regarding sending requested documents to my attorney. I spoke to my attorney during the same time frame and they stated that they have yet to receive any documents from this company! They never sent the original documents via US postal mail or email to me or my attorney stating the time, date, or the location of where the car was sold. They also are reporting a charge off on my credit report in which theyve never sent me a 1099 tax form. All of these matters are breaking the law which is stated in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA and FDCPA ; therefore if you have not validated the debt, you must request that all credit reporting agencies deleted the entry. If you fail to remove this entry this matter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : violation of FCRA and FDCPA also including my {$800.00} rebate that you failed to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a text message with the spoofed identity of a family member, requesting that I contact XXXX XXXX regarding a debt from Sun Trust Bank. I researched the corporate identity of XXXX XXXX and wrote to the corporate offices that they were in violation of the FDPCA by failing in its initial communication with an alleged debtor, participating in false and misleading information by spoofing text message identity, and attempting to collect and alleged debt that Sun Trust Bank had acknowledged as being invalid. More that thirty days after the declaration by Sun Trust Bank, XXXX XXXX continues in its attempts to collect the debt.

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 2021-12-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was limited because of what they deemed suspicious activity. Only the activity in question was all done by myself and there was no suspicious or illegal activity going on. Now my account is limited and I can not unlink my card which is connected to my primary bank account. This is an uncomfortable situation as if my account were to be compromised my banking info could fall into the wrong hands. Additionally I also can not close the account even though I have no outstanding fees or balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Last year I set up overdraft for my checking account. They set it up in reverse to protect my savings instead, not As I instructed. Yesterday they returned a electric bill payment. When I asked them about it they told I never had it set up for checking, it was the other way around. I remember clearly when opening the savings account I added the overdraft protection for the checking. Now they are going to charge me a return fee and the electric company will charge a return fee. USAA said that they could look in to it, and might be able to reverse the fee, but because of their mistake Im out of pocket for the fees and have a late payment on my credit score. I feel cheated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  XXXX Balance Owed : {$48000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
About 2 years ago I decided to open up an account with U.S. Bank. When it comes to adding funds to my account, I didn't come to think that I would have this problem still today. As for, all my other accounts that were funded the same way I funded my U.S. Bank account. I did not have any problems whatsoever. U.S. Bank is holding approximately {$9000.00} of my money. They say my account was closed due to suspicious activity or fraud related transactions. Which I think is ridiculous. Im already a victum of id theft myself and going through this just makes my life even worse. Ive tried mumtiple times to try anf resolve this situstion but have gotten no where but in circles. I've been waiting for either a cashiers check or for the funds to be " returned to the sender '' as XXXX the fraud specialist has mentioned. XXXX is also holding another XXXX of mine and also realized that XXXX has been deducted from my account which I have no idea why. I'm furious and upset that I'm going through worse obstacles today because of this reason. I really am in need of help. For more Information please contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Incomm Holdings Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
This complaint is for Incomm.I do not accept the terms, I have suffer intangible damage due to this mistake on behalf of Incomm and also my securities has generated interest over this course of time which is a form of Security fraud of a sort no amount of monies can replace the damages your company caused my family and I, it has been over 18 months to get this matter properly addressed. I have been talking to representatives from this company who informed me over 10 times that this matter would be handle with is a Flagrant violation under the law and has penalty when damages occur and just a return of my Securities is not equivalent this not a cure for the damage that has been done. I will not accept the refund without interest and damages from this company as a delay in efforts to get a resolution.Under regulatory compliance this act is considered money laundering. I am asking for {$1000.00} for punitive damages and interest as well as a return of my Securities of the whole transaction of {$170.00} not {$170.00} if not willing to comply i will be forced to take to Arbitrary Court or class claim this is Malicious and Deceptive business practices and is a violation of federal law company still holding Securities and gaining interest of it. Which is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A few months back, I applied for and was approved for a small Ally credit card. Within a month, Ally updated their software, and from what I have been told by numerous reps on the phone, " screwed up a lot of accounts ''. Mine was one of them. 

As a result, I am unable to access my online account either through the app or desktop. 

Ally allowed serious fraud on my account while I am unable to see my account. I reported it initially and the individual on the phone never submitted a fraud report. The second woman I spoke to took the time and completed the first womans job and her own. She was wonderful and I can not thank her enough. 

Though unfortunately, numerous other calls have had to be made regarding the fact I can not still view my account. I keep being told my case is upgraded to tech support, who has never responded to me and never fixed the problem. It's been months on an account that was allowed to have fraud on it. 

Ally also kept withdrawing from my bank account, funds to cover the fraud each month. 

The last call, two nights ago, I was treated like a common criminal. The woman was extremely unhelpful, she was rude, she kept telling me she could not hear me and I should call back ( attempting to get off the phone with me ) and when I asked to speak with a manager, she informed me they were busy and would call me back later that night. No one ever did. 

I am extremely upset on how I have been treated and allowing fraud on my account while not allowing me to view my account to help rectify the damage that may have been done to my credit and most of all, my character as unjustly defined by credit and financial status.

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 2022-02-19
Company: APPLE RECOVERY SERVICES CORP
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/XXXX for a sum of XXXX for a supposed debt in XXXX that I owed on a XXXX XXXX. ( this per a XXXX XXXX in a phone call XX/XX/XXXX at XXXX am est when calling in for info ) I have NEVER owned a XXXX XXXX in my life. This scam was attempted by XXXX XXXX last year, case XXXX with CFPB however with a different sum of money, ( which also violates the Federal trade credit collection law of different amounts ) I Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. No info was given just that a debt was owed for XXXX for a debt on a vehicle I NEVER owned. The company presents themselves as Apple Recovery Services in XXXX XXXX, Il XXXX. The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX AccounXXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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 2023-05-15
Company: SANTANDER HOLDINGS USA, INC.
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:
The XXXX XXXX XXXX  I am financing with Santander Consumer, The car is totaled and has been for almost 3 months, my insurance company has been ready to pay them out, they are unable to produce a title for the vehicle after 1 year+ I have owned it, This is impacting my credit score greatly .... They have tried " gaining the title for the last 3 months '' and said it is my problem... I see no way in figuring this out and each day that goes by my credit is being impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 2 Hard Inquiries from Capital one and XXXX applying for a credit card in my name on XX/XX/2022. This wasn't me. I called all 3 credit bureau ( XXXX, XXXX, and XXXX. ) I also notified Capital one to let them know and XXXX that these applications were not me. I will also be filling a police report which has not happened yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Oak Tree Financial Inc.
State: IL
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:
This company ( Oak Tree Financial ) tells me I owe a debt from XXXX XXXX. I have never had a XXXX XXXX credit card. This company has my social secrurity number, date of birth, & full name - only thing is not right is they have an address on me from 20 years ago. They say I have a debt of {$6200.00} and that I can settle at {$1900.00} today. I ask them why is this not on my credit report and they say I have to settle with them first before it gets on my report. Their number is ( XXXX ) XXXX they give me a file # XXXX - these people have been harassing me since XXXX and I need help stopping them!! Today XX/XX/XXXX a new number called me on my cell phone ( XXXX ) XXXX they say they are XXXX XXXX XXXX. They want to know if I'll be home so they can serve me court papers. I asked them for what and they say they are not sure they are just to serve papers. So I ask them what address they had and they say it is the address I was at 20 years ago.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher KOHLS/CAPONE. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of KOHLS/CAPONE I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

Company response to consumer: Closed with explanation