BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME as they should be as I was NEVER Late. Thanks,

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 2023-06-10
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Bank has frozen my check and savings accounts, and is refusing to reopen them, because they claim that they were unable to verify the identity of my wife ( who is a joint account owner for these accounts ) during a recent phone call she had with their customer service department. When asked, Ally Bank informed me that the birthday my wife provided to them on the call ( for verification purposes ) did not match the one they had on file for her. We have double-checked the form we originally sent to Ally Bank when I first added my wife as a joint account owner of my checking and savings accounts, and have confirmed that the birthday provided on the application form is indeed her correct birthday. This indicates that Ally Bank made an error when inputting her information provided on that form into their system, resulting in the birthday they have for her on file being different than the one we provided to them ( the one we provided to them being her real birthday ). I have spoken with Ally Bank multiple times about this, but they continue to insist that there is nothing we can do about this until they " complete their investigation ''. This process has been ongoing for weeks now, leaving me without access to any of the money in both my checking and savings accounts. If the issue is not resolved quickly, it will result in me incurring significant fees as my bills ( auto loan, credit card, rent, etc ) start to pass their due date. Ally Bank has informed me that they will not reimburse me for any fees, penalties, or interest I will incur as a result of not having access to my money due to an error Ally Bank themselves made, and to which neither I nor my wife had any control over. I have sent a copy of my wife 's government issued ID showing her correct birthday, but Ally Bank has refused to do anything with this information.

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 2023-09-15
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL regarding a bill for {$300.00} from supposed services rendered on XX/XX/XXXX. I spoke to a woman named XXXX at XXXX Wednesday, XX/XX/XXXX. I asked for XXXX to look up the bill at which she said they had changed computer software and was not able to pull up a bill from over XXXX years ago. I was told to contact XXXX XXXX XXXX to try and get information regarding this bill. Neither XXXX nor XXXX XXXX XXXX had record of any outstanding debt in my name. This bill for {$300.00} is coming from a company called AssetCare located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Their telephone number is XXXX. I would like to have AssetCare investigated because they are trying to extract money for an erroneous bill. Their bill clearly states they are attempting to collect monies on behalf of XXXX XXXX. If that is the case why does XXXX nor XXXX XXXX have record of the bill? I have contacted CFPB and have been asked to reference case # XXXX. I will also be in contact with the attorney general of Florida ( XXXX XXXX ) where I reside as well as the attorney general of Texas ( XXXX XXXX ) where AssetCare is located.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account - XXXX XXXXXXXX XXXX - 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 an 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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " Bank Of America '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.

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 2022-11-11
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, formerly known as XXXX XXXX. Im trying to reach Specialized Loan Servicing ( SLS ) to request documents and my efforts have been unsuccessful. Ive spoken to a representative a few weeks ago but was never given a number or email address to follow up with. 

The representative confirmed that SLS had sent my insurance company {$2200.00} on XX/XX/2022. I contacted my insurance company regarding this transaction ; however, they are requesting that I send them proof of this transaction. If SLS could send over documented proof of this transaction, that would help significantly in resolving the confusion.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX / # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a big problem : I can prove around {$5500.00} in mortgage fraud but I can't get credited for it. I emailed cashed checks to Truist 's fraud department ( who never wrote back ) and to another address I was told to send it to ( who also never wrote me back ). I asked Truist for my payment history and my checks are much higher than my history. I keep a spreadsheet showing payments I made. I logged payments up to XX/XX/XXXX but not between XX/XX/XXXX and XX/XX/XXXX. I had a XXXX on XX/XX/XXXX and started making minimum payments after then but before then I often overpaid. Everything checks out up to XX/XX/XXXX and after XX/XX/XXXX but is off between then. I had XXXX banks during this period. XXXX I have canceled checks for and the other I don't. The XXXX bank shows all drafts between XX/XX/XXXX and XX/XX/XXXX and no overpayments when I sent all checks and overpaid every month. The scenario that makes the most sense to me is someone worked both at BB & T ( Truist ended up buying them ) and my bank ( XXXX XXXX ) and altered my bank statements to conceal their embezzlement from BB & T. I have XXXX XXXX doing an investigation now. That's been going on XXXX business days. Neither bank shows withdrawals between XXXX and XX/XX/XXXX or from XX/XX/XXXX to XX/XX/XXXX. I asked Truist for checks between XX/XX/XXXX and XX/XX/XXXX but didn't hear back. So I'd like to be credited for the fraud I have proof for ASAP and would like to see all check images I sent between XX/XX/XXXX and XX/XX/XXXX. Truist said they were investigating but I've been writing since Monday and can't get a reply. I have XXXX cashed checks showing about {$5500.00} in fraud but there are 21 months in question. If I multiply {$5500.00} by XXXX I get {$16000.00}. Since there's a gap in my spreadsheet I'm only guessing but I estimate I overpaid between {$12000.00} and {$20000.00}. I think the amount freaked out Truist which is why they haven't written back. BB & T never had problems cashing my checks but Truist is having trouble giving me credit for fraud I can prove. The amounts to look for are {$1200.00} ( the minimum I sent ), {$1500.00}, {$1500.00} and {$1600.00}. I'm not sure if I ever sent any checks for {$1600.00} but know I didn't pay more than that and didn't pay below {$1200.00}. I'm " verbally challenged '' so text ( XXXX ) or email ( XXXX ) are the best ways for me to communicate. I am verbal just not easy to understand. I called them probably five times. Im told they need proof even though my bank statements have been altered. I wrote them on XXXX on XX/XX/XXXX and explained the predicament. They said they were launching an investigation. Ive written every day since Monday ( except today ) and cant get a reply. Id be happy to email supporting documents.

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 2021-11-06
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So for some reason my PayPal account was suspended suddenly without warning. I have been with them for over 21 years. I called and they told me I violated their Acceptable Use Policy but would not ( could not ) disclose what that violation was. Furthermore they told me that it is " un-appealable '' and " permanent '' and that they will now hold my {$1600.00} balance for 180 days. At the end of that period they will " contact '' me to see how I can get my money back. I asked to speak to a supervisor and they transferred me with much difficulty to XXXX ( Employee XXXX ) supervisor in the " limitations department ''. He repeated that he could not share any additional information, that he could not escalate this further than himself. 

I have reviewed their Acceptable Use Policy and the only thing possible is a couple of adult sites I am in which as far as I know are legal for adults... 

I have read online that some people have had this happen because they were on a VPN. I'm on a VPN all the time because I work from home and VPN into my office. Again if that's the case that's bogus. Also, I was under the impression that this was the United States so if it was something the thought was criminal or civil they should be compelled to tell me what I'm accused of doing...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Always calling and i kept disputing for many many years and they always pop up. I always had insurance in fl and in ny.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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:
Account Name : XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to XXXX  and not Transunion and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.

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 2021-04-28
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have NEVER had an account with Resurgents. I have sent several letters asking for proof. They have never sent proof or evidence of my owing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got pre-approved for multiple credit cards by Capital One and I chose one amongst those to fill out an application. I got denied that very minute. This whole pre-approval technique is one big scam by credit companies. If pre-approval never guarantees approval why is it called Pre-approval? This is so manipulating and I don't see how this is legal in our country. They try to put a soft pillow under your head by saying if you fill out this application you will get a hard inquiry because you getting pre-approved when they are not intertwined and only a mere reflection. I got a hard inquiry on my credit report when I was given multiple cards to choose from as I was so-called " pre-approved '' How is this legal? Someone, please explain to me how it's legal to trick customers into filling out a credit application knowing the pre-approval process doesn't guarantee anything. This is so wrong. The name itself is already misleading. I want my negative credit remark to be removed from my history. I would have never applied if I knew pre-approval doesn't guarantee anything. Why is this program even in the process? Makes no sense. Can someone stand up for us? Stop this scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My bank account ( XXXX Acct ) was used by XXXX XXXX ( a customer of Synchrony Bank ) to pay her Care Credit card. I did not authorize her to do so nor do I know this person. It seems like her bank account is a digit off of my account number and was used accidentally. I filed a police report with the city I live in, I filed multiple complaints to XXXX XXXX  and with the CFPB and I am still out money on this issue. In total the amount taken from my account was {$1200.00}. This was over months - XX/XX/XXXX to XX/XX/XXXX. I didn't realize this wasn't my account being paid until XX/XX/XXXX ( I too have had a Synchrony acct ). I know the woman 's name and her care credit card but that's the only information I have since the bank won't give me any information due to privacy rules/laws.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit Union is forcing all of its members to upgrade to a paid checking account when previous to this they have always been free. They have made it difficult to switch back to a free checking account by being unclear in their initial emails and social media communications about how to switch back to a free account, and the new free account comes with considerably more restrictions and less services than the old free account. This is a predatory hoping that people won't go through the trouble of switching back to the free accounts so they can charge you for what they use to include for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Absolute Resolutions Corp.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They said it was paid as agreed upon and that I no longer owe them anything but now they have put derogatory remarks into my report. But only with XXXX?????? I want that removed from my report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NC
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2021-11-09
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AFNI, INC. ( AT T ), but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation